141 Stage RdCummingtonMA01026
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 141 Stage Rd, Cummington, MA, 01026 in Cummington: $1,082/mo in rent, $206/mo in net income, 9.34% gross yield, 1.73 DSCR, all at $139,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $38,403 in appreciation and $1,280/yr in principal paydown projects total cumulative return of $66,080.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.0% |
| Monthly Cash Flow | $206 | $600 |
City averages based on Cummington 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 | $1,082 |
| Total Monthly Debt Service | $821 |
| DSCR Ratio | 1.32x |
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 2023
5.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01026, Cummington, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 627 (100%) |
| Owner Occupied HU | 412 (65.7%) |
| Renter Occupied HU | 79 (12.6%) |
| Vacant Housing Units | 136 (21.7%) |
| Median Home Value | $495,000 |
| Average Home Value | $516,990 |
Housing Distribution
Address Breakdown
Residential
452
Single Family
427
Multi-Family
25
Businesses
31
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 2023
5.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01026, Cummington, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 627 (100%) |
| Owner Occupied HU | 412 (65.7%) |
| Renter Occupied HU | 79 (12.6%) |
| Vacant Housing Units | 136 (21.7%) |
| Median Home Value | $495,000 |
| Average Home Value | $516,990 |
Housing Distribution
Address Breakdown
Residential
452
Single Family
427
Multi-Family
25
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: BCMLS
Mls ID: #249356