14 Adams StSpringfieldMA01105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $333,000, 14 Adams St, Springfield, MA, 01105 in Springfield generates $2,243/mo in rent (8.08% yield) but nets only $144/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.50) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $92,002. Total projected return: $135,797.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 9.2% |
| Monthly Cash Flow | $144 | $300 |
City averages based on Springfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,243 |
| Total Monthly Debt Service | $1,966 |
| DSCR Ratio | 1.14x |
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.
Multi Family
Built in 1906
2,640 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01105, Springfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,550 (100%) |
| Owner Occupied HU | 593 (10.7%) |
| Renter Occupied HU | 4,441 (80.0%) |
| Vacant Housing Units | 516 ( 9.3%) |
| Median Home Value | $248,188 |
| Average Home Value | $268,957 |
Housing Distribution
Address Breakdown
Residential
5,048
Single Family
2,342
Multi-Family
2,706
Businesses
396
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
Multi Family
Built in 1906
2,640 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01105, Springfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,550 (100%) |
| Owner Occupied HU | 593 (10.7%) |
| Renter Occupied HU | 4,441 (80.0%) |
| Vacant Housing Units | 516 ( 9.3%) |
| Median Home Value | $248,188 |
| Average Home Value | $268,957 |
Housing Distribution
Address Breakdown
Residential
5,048
Single Family
2,342
Multi-Family
2,706
Businesses
396
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73491104