131 Tracy CirAmherstMA01002
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 131 Tracy Cir, Amherst, MA, 01002 in Amherst speaks for itself: 10.27% gross on a $425,000 price, generating $3,636/mo in rent and $957/mo in net income after the $1,911/mo debt service. DSCR 1.90, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,488 stacks alongside $117,420 in projected five-year appreciation and $3,914/yr in principal reduction. Projected total cumulative return: $222,983.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 7.8% |
| Monthly Cash Flow | $957 | $350 |
City averages based on Amherst market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,636 |
| Total Monthly Debt Service | $2,510 |
| DSCR Ratio | 1.45x |
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 1965
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01002, Amherst, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,930 (100%) |
| Owner Occupied HU | 5,081 (42.6%) |
| Renter Occupied HU | 5,724 (48.0%) |
| Vacant Housing Units | 1,125 ( 9.4%) |
| Median Home Value | $536,411 |
| Average Home Value | $576,683 |
Housing Distribution
Address Breakdown
Residential
10,921
Single Family
8,546
Multi-Family
2,375
Businesses
715
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 1965
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01002, Amherst, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,930 (100%) |
| Owner Occupied HU | 5,081 (42.6%) |
| Renter Occupied HU | 5,724 (48.0%) |
| Vacant Housing Units | 1,125 ( 9.4%) |
| Median Home Value | $536,411 |
| Average Home Value | $576,683 |
Housing Distribution
Address Breakdown
Residential
10,921
Single Family
8,546
Multi-Family
2,375
Businesses
715
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christine Lau • 5 College REALTORS
Mls Name: MLS PIN
Mls ID: #73410893