146 Beech StHolyokeMA01040
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Holyoke rental at 146 Beech St, Holyoke, MA, 01040 sits in the solid-income band: 9.44% gross yield, $2,383/mo rent, $473/mo net after the $1,362/mo debt service, DSCR 1.75. Entry price of $303,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $83,713 and $2,791/yr in principal reduction bring total cumulative return to $145,565.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $473 | $850 |
City averages based on Holyoke market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,383 |
| Total Monthly Debt Service | $1,789 |
| DSCR Ratio | 1.33x |
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 1885
3,189 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01040, Holyoke, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,038 (100%) |
| Owner Occupied HU | 6,491 (38.1%) |
| Renter Occupied HU | 9,211 (54.1%) |
| Vacant Housing Units | 1,336 ( 7.8%) |
| Median Home Value | $316,021 |
| Average Home Value | $346,037 |
Housing Distribution
Address Breakdown
Residential
15,801
Single Family
11,173
Multi-Family
4,628
Businesses
1,214
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 1885
3,189 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01040, Holyoke, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,038 (100%) |
| Owner Occupied HU | 6,491 (38.1%) |
| Renter Occupied HU | 9,211 (54.1%) |
| Vacant Housing Units | 1,336 ( 7.8%) |
| Median Home Value | $316,021 |
| Average Home Value | $346,037 |
Housing Distribution
Address Breakdown
Residential
15,801
Single Family
11,173
Multi-Family
4,628
Businesses
1,214
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Berry • Simply Sell Realty
Mls Name: MLS PIN
Mls ID: #73404373