120 Chestnut StBarnstableMA02630
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 120 Chestnut St, Barnstable, MA, 02630 in Barnstable is listed at $565,000 and delivers $4,200/mo in rent and $639/mo in net monthly cash flow. The 8.92% yield and 1.65 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $156,099 over five years, and $5,204/yr in principal reduction supplements cash return. Total projected cumulative return: $255,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $639 | $400 |
City averages based on Barnstable market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
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 | $4,200 |
| Total Monthly Debt Service | $3,336 |
| DSCR Ratio | 1.26x |
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
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02630, Barnstable, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,172 (100%) |
| Owner Occupied HU | 745 (63.6%) |
| Renter Occupied HU | 86 ( 7.3%) |
| Vacant Housing Units | 341 (29.1%) |
| Median Home Value | $801,791 |
| Average Home Value | $849,631 |
Housing Distribution
Address Breakdown
Residential
574
Single Family
556
Multi-Family
18
Businesses
172
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
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02630, Barnstable, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,172 (100%) |
| Owner Occupied HU | 745 (63.6%) |
| Renter Occupied HU | 86 ( 7.3%) |
| Vacant Housing Units | 341 (29.1%) |
| Median Home Value | $801,791 |
| Average Home Value | $849,631 |
Housing Distribution
Address Breakdown
Residential
574
Single Family
556
Multi-Family
18
Businesses
172
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73520710