154 Bear Hill Rd APT 1002CumberlandRI02864
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFinancing efficiency matters for international buyers, and 154 Bear Hill Rd APT 1002, Cumberland, RI, 02864 in Cumberland offers it: the 1.55 DSCR gives Ziffy Mortgage's underwriting team an unusually clean file, no U.S. credit, no personal income required. Rental yield 8.38%. Long-term, 5% appreciation is forecast to add $79,845, and $2,662/yr in principal paydown compounds equity steadily. Projected five-year cumulative return: $98,944.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.8% |
| Monthly Cash Flow | $(194) | $1,250 |
City averages based on Cumberland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,018 |
| Total Monthly Debt Service | $2,097 |
| DSCR Ratio | 0.96x |
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.
Townhouse
Built in 1988
N/A lot
$N/A/sqft
$325 monthly HOA
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
Townhouse
Built in 1988
N/A lot
$N/A/sqft
$325 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeannine Iozzo • Lamacchia Realty, Inc
Mls Name: StateWide MLS RI
Mls Provider:
Mls ID: #1379377
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2025 State-Wide MLS, Inc. All rights reserved.