12 Pine Tree DrWorcesterMA01609
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Worcester rental at 12 Pine Tree Dr, Worcester, MA, 01609 sits in the solid-income band: 9.26% gross yield, $4,165/mo rent, $754/mo net after the $2,428/mo debt service, DSCR 1.72. Entry price of $539,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $149,164 and $4,973/yr in principal reduction bring total cumulative return to $253,549.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 8.0% |
| Monthly Cash Flow | $754 | $300 |
City averages based on Worcester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,165 |
| Total Monthly Debt Service | $3,196 |
| DSCR Ratio | 1.30x |
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.
Single Family
Built in 1963
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01609, Worcester, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,160 (100%) |
| Owner Occupied HU | 2,760 (30.1%) |
| Renter Occupied HU | 5,665 (61.8%) |
| Vacant Housing Units | 735 ( 8.0%) |
| Median Home Value | $508,937 |
| Average Home Value | $545,674 |
Housing Distribution
Address Breakdown
Residential
7,679
Single Family
4,769
Multi-Family
2,910
Businesses
701
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
Single Family
Built in 1963
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01609, Worcester, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,160 (100%) |
| Owner Occupied HU | 2,760 (30.1%) |
| Renter Occupied HU | 5,665 (61.8%) |
| Vacant Housing Units | 735 ( 8.0%) |
| Median Home Value | $508,937 |
| Average Home Value | $545,674 |
Housing Distribution
Address Breakdown
Residential
7,679
Single Family
4,769
Multi-Family
2,910
Businesses
701
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices