12 Natty Brook Rd UNIT 12HubbardstonMA01452
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 12 Natty Brook Rd UNIT 12, Hubbardston, MA, 01452 in Hubbardston at $259,900 earns $2,160/mo in rent and nets $172/mo after the $1,169/mo payment, a 9.97% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $71,806 over five years. Ziffy Mortgage underwrites this on a 1.85 DSCR without U.S. credit history. With $2,394/yr in principal paydown, total projected return reaches $111,252.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 7.0% |
| Monthly Cash Flow | $172 | $300 |
City averages based on Hubbardston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $1,885 |
| DSCR Ratio | 1.15x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1989
N/A lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01452, Hubbardston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,775 (100%) |
| Owner Occupied HU | 1,556 (87.7%) |
| Renter Occupied HU | 149 ( 8.4%) |
| Vacant Housing Units | 70 ( 3.9%) |
| Median Home Value | $424,009 |
| Average Home Value | $470,826 |
Housing Distribution
Address Breakdown
Residential
1,648
Single Family
1,612
Multi-Family
36
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Townhouse
Built in 1989
N/A lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01452, Hubbardston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,775 (100%) |
| Owner Occupied HU | 1,556 (87.7%) |
| Renter Occupied HU | 149 ( 8.4%) |
| Vacant Housing Units | 70 ( 3.9%) |
| Median Home Value | $424,009 |
| Average Home Value | $470,826 |
Housing Distribution
Address Breakdown
Residential
1,648
Single Family
1,612
Multi-Family
36
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices