126 Dyer StGardnerMA01440
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 126 Dyer St, Gardner, MA, 01440 in Gardner worth modelling. At $519,000 with a 7.77% gross yield, the $3,360/mo rent leaves $89/mo after the $2,334/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.44 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $143,390 by year five; $4,780/yr in principal reduction adds further equity. Total projected return: $202,802.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.0% |
| Monthly Cash Flow | $89 | $350 |
City averages based on Gardner market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,360 |
| Total Monthly Debt Service | $3,065 |
| DSCR Ratio | 1.10x |
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 2004
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01440, Gardner, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,823 (100%) |
| Owner Occupied HU | 5,104 (52.0%) |
| Renter Occupied HU | 4,026 (41.0%) |
| Vacant Housing Units | 693 ( 7.1%) |
| Median Home Value | $347,548 |
| Average Home Value | $406,369 |
Housing Distribution
Address Breakdown
Residential
8,993
Single Family
7,174
Multi-Family
1,819
Businesses
598
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 2004
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01440, Gardner, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,823 (100%) |
| Owner Occupied HU | 5,104 (52.0%) |
| Renter Occupied HU | 4,026 (41.0%) |
| Vacant Housing Units | 693 ( 7.1%) |
| Median Home Value | $347,548 |
| Average Home Value | $406,369 |
Housing Distribution
Address Breakdown
Residential
8,993
Single Family
7,174
Multi-Family
1,819
Businesses
598
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73486925