146 South StBarreMA01005
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 146 South St, Barre, MA, 01005 in Barre is narrow, $13/mo net on $2,690/mo rent after the $1,910/mo debt service, but the property operates at break-even-plus, not a loss. At $424,800 with a 7.6% yield, the long-run equity case via 5% appreciation ($117,364 over five years) and $3,912/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $162,113.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $13 | $500 |
City averages based on Barre market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,690 |
| Total Monthly Debt Service | $2,508 |
| DSCR Ratio | 1.07x |
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 1850
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01005, Barre, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,156 (100%) |
| Owner Occupied HU | 1,684 (78.1%) |
| Renter Occupied HU | 340 (15.8%) |
| Vacant Housing Units | 132 ( 6.1%) |
| Median Home Value | $550,369 |
| Average Home Value | $559,351 |
Housing Distribution
Address Breakdown
Residential
1,509
Single Family
1,460
Multi-Family
49
Businesses
133
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 1850
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01005, Barre, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,156 (100%) |
| Owner Occupied HU | 1,684 (78.1%) |
| Renter Occupied HU | 340 (15.8%) |
| Vacant Housing Units | 132 ( 6.1%) |
| Median Home Value | $550,369 |
| Average Home Value | $559,351 |
Housing Distribution
Address Breakdown
Residential
1,509
Single Family
1,460
Multi-Family
49
Businesses
133
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A