142 Townsend RdGrotonMA01450
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play142 Townsend Rd, Groton, MA, 01450 in Groton is priced for appreciation, not yield. Rental yield 3.75%. At $995,000 with a 3.75% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $274,900 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.70) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $174,368.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 5.0% |
| Monthly Cash Flow | $(3,161) | $250 |
City averages based on Groton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,110 |
| Total Monthly Debt Service | $5,875 |
| DSCR Ratio | 0.53x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01450, Groton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,097 (100%) |
| Owner Occupied HU | 3,389 (82.7%) |
| Renter Occupied HU | 531 (13.0%) |
| Vacant Housing Units | 177 ( 4.3%) |
| Median Home Value | $765,491 |
| Average Home Value | $811,949 |
Housing Distribution
Address Breakdown
Residential
4,011
Single Family
3,852
Multi-Family
159
Businesses
273
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 2026
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01450, Groton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,097 (100%) |
| Owner Occupied HU | 3,389 (82.7%) |
| Renter Occupied HU | 531 (13.0%) |
| Vacant Housing Units | 177 ( 4.3%) |
| Median Home Value | $765,491 |
| Average Home Value | $811,949 |
Housing Distribution
Address Breakdown
Residential
4,011
Single Family
3,852
Multi-Family
159
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73495156