128 West RdCumberlandRI02864
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder128 West Rd, Cumberland, RI, 02864 in Cumberland is a stable, well-positioned rental at $685,000. Rental yield 7.6%. DSCR 1.41 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $189,253 in value and $6,309/yr in principal paydown builds equity, a total projected return of $252,332.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.8% |
| Monthly Cash Flow | $(131) | $1,250 |
City averages based on Cumberland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,340 |
| Total Monthly Debt Service | $4,199 |
| DSCR Ratio | 1.03x |
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 2007
0.33 Acres lot
$N/A/sqft
No HOA
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 2007
0.33 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nancy Castagliuolo • Premier Homes Realty, LLC
Mls Name: StateWide MLS RI
Mls Provider:
Mls ID: #1389486
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2025 State-Wide MLS, Inc. All rights reserved.