149 Sandy Pond RdAyerMA01432
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 149 Sandy Pond Rd, Ayer, MA, 01432 in Ayer is straightforward: $499,900 in, $3,791/mo in rent, $640/mo out after debt service. The 9.1% gross yield and 1.69 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $138,113 by year five. With $4,604/yr in principal equity, the total cumulative return is projected at $230,982.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.2% |
| Monthly Cash Flow | $640 | $900 |
City averages based on Ayer market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,791 |
| Total Monthly Debt Service | $2,952 |
| DSCR Ratio | 1.28x |
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 1986
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01432, Ayer, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,831 (100%) |
| Owner Occupied HU | 2,280 (59.5%) |
| Renter Occupied HU | 1,318 (34.4%) |
| Vacant Housing Units | 233 ( 6.1%) |
| Median Home Value | $548,766 |
| Average Home Value | $629,171 |
Housing Distribution
Address Breakdown
Residential
3,710
Single Family
3,345
Multi-Family
365
Businesses
357
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 1986
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01432, Ayer, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,831 (100%) |
| Owner Occupied HU | 2,280 (59.5%) |
| Renter Occupied HU | 1,318 (34.4%) |
| Vacant Housing Units | 233 ( 6.1%) |
| Median Home Value | $548,766 |
| Average Home Value | $629,171 |
Housing Distribution
Address Breakdown
Residential
3,710
Single Family
3,345
Multi-Family
365
Businesses
357
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erin Holmes • Coldwell Banker Realty - Northborough
Mls Name: MLS PIN
Mls ID: #73403105