12 Stoney DrBillericaMA01821
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 12 Stoney Dr, Billerica, MA, 01821 in Billerica: $3,103/mo in rent, $299/mo in net income, 8.37% gross yield, 1.55 DSCR, all at $444,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $122,918 in appreciation and $4,098/yr in principal paydown projects total cumulative return of $188,154.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.2% |
| Monthly Cash Flow | $299 | $850 |
City averages based on Billerica market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,103 |
| Total Monthly Debt Service | $2,627 |
| DSCR Ratio | 1.18x |
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 1955
3,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01821, Billerica, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,679 (100%) |
| Owner Occupied HU | 8,996 (77.0%) |
| Renter Occupied HU | 2,343 (20.1%) |
| Vacant Housing Units | 340 ( 2.9%) |
| Median Home Value | $642,849 |
| Average Home Value | $669,460 |
Housing Distribution
Address Breakdown
Residential
11,236
Single Family
9,345
Multi-Family
1,891
Businesses
714
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 1955
3,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01821, Billerica, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,679 (100%) |
| Owner Occupied HU | 8,996 (77.0%) |
| Renter Occupied HU | 2,343 (20.1%) |
| Vacant Housing Units | 340 ( 2.9%) |
| Median Home Value | $642,849 |
| Average Home Value | $669,460 |
Housing Distribution
Address Breakdown
Residential
11,236
Single Family
9,345
Multi-Family
1,891
Businesses
714
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Team Lillian Montalto • Lillian Montalto Signature Properties
Mls Name: MLS PIN
Mls ID: #73411436