15 S Central StHaverhillMA01835
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 15 S Central St, Haverhill, MA, 01835 in Haverhill. Rental yield 4.67%. At $814,900 with 4.67% gross yield, current distributions are modest, but the 5% appreciation rate projects $225,142 in new equity by year five, complemented by $7,505/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.87) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $183,172.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 5.8% |
| Monthly Cash Flow | $(1,962) | $450 |
City averages based on Haverhill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,174 |
| Total Monthly Debt Service | $4,812 |
| DSCR Ratio | 0.66x |
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.
Multi Family
Built in 1890
6,547 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01835, Haverhill, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,073 (100%) |
| Owner Occupied HU | 4,123 (67.9%) |
| Renter Occupied HU | 1,756 (28.9%) |
| Vacant Housing Units | 194 ( 3.2%) |
| Median Home Value | $521,038 |
| Average Home Value | $546,496 |
Housing Distribution
Address Breakdown
Residential
5,830
Single Family
5,129
Multi-Family
701
Businesses
442
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 1890
6,547 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01835, Haverhill, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,073 (100%) |
| Owner Occupied HU | 4,123 (67.9%) |
| Renter Occupied HU | 1,756 (28.9%) |
| Vacant Housing Units | 194 ( 3.2%) |
| Median Home Value | $521,038 |
| Average Home Value | $546,496 |
Housing Distribution
Address Breakdown
Residential
5,830
Single Family
5,129
Multi-Family
701
Businesses
442
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diane Itasaka • Amy Spring Realty LLC
Mls Name: MLS PIN
Mls ID: #73475652