12 Woodruff Rd, Clinton, MA, 01510 | 3.64% Rental Yield | Ziffy

INVESTMENT ANALYSIS

Investment Verdict

Appreciation Play

The investment thesis at 12 Woodruff Rd, Clinton, MA, 01510 in Clinton is capital appreciation. Rental yield 3.64%. The 3.64% gross yield at $749,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $207,184 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.64) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $112,785.

	This Property	City Avg
Gross Rental Yield	3.6%	7.0%
Monthly Cash Flow	$(2,452)	$550

City averages based on Clinton market data in our database. Property projections are estimates.

DSCR Rental Loan Qualification

0.49× DSCR

✗ Below standard threshold

Qualifies using the property's rental income, not your personal income.

✓No W-2, pay stubs, or tax returns needed
✓Rental income qualifies you
✓Built for real estate investors

Monthly Rental Income	$2,274
Total Monthly Debt Service	$4,611
DSCR Ratio	0.49x

Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →

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Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.

Single Family

Built in 2026

1.36 Acres lot

$N/A/sqft

No HOA

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NMLS #2625701

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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

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Explore more listings using simple english

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Loan officer

Loan officer

Loan officer

Powered by

Ziffy Mortgage

NMLS #2625701

Get Pre-Approved

Listed by: N/A • N/A

Mls Name: MLS PIN

Mls ID: #73579799

Massachusetts•Clinton•12 Woodruff Rd