150 Saint Bernard StFitchburgMA01420
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow150 Saint Bernard St, Fitchburg, MA, 01420 in Fitchburg earns its strong cash-flow label: 17.41% yield, $3,473/mo rent, $1,790/mo net income, DSCR 3.23. The $239,400 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $66,142 by year five. Combined with $2,205/yr in principal paydown, total projected return reaches $206,881.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.4% | 6.8% |
| Monthly Cash Flow | $1,790 | $450 |
City averages based on Fitchburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,473 |
| Total Monthly Debt Service | $1,588 |
| DSCR Ratio | 2.19x |
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 1947
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01420, Fitchburg, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,790 (100%) |
| Owner Occupied HU | 8,726 (49.1%) |
| Renter Occupied HU | 7,837 (44.1%) |
| Vacant Housing Units | 1,227 ( 6.9%) |
| Median Home Value | $373,021 |
| Average Home Value | $413,902 |
Housing Distribution
Address Breakdown
Residential
16,414
Single Family
14,284
Multi-Family
2,130
Businesses
1,215
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 1947
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01420, Fitchburg, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,790 (100%) |
| Owner Occupied HU | 8,726 (49.1%) |
| Renter Occupied HU | 7,837 (44.1%) |
| Vacant Housing Units | 1,227 ( 6.9%) |
| Median Home Value | $373,021 |
| Average Home Value | $413,902 |
Housing Distribution
Address Breakdown
Residential
16,414
Single Family
14,284
Multi-Family
2,130
Businesses
1,215
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