155 Southbridge RdOxfordMA01540
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 155 Southbridge Rd, Oxford, MA, 01540 in Oxford at $449,900 earns $3,016/mo in rent and nets $180/mo after the $2,023/mo payment, a 8.04% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $124,299 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $4,144/yr in principal paydown, total projected return reaches $182,463.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $180 | $400 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,016 |
| Total Monthly Debt Service | $2,657 |
| DSCR Ratio | 1.14x |
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 1954
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01540, Oxford, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,679 (100%) |
| Owner Occupied HU | 3,516 (75.1%) |
| Renter Occupied HU | 980 (20.9%) |
| Vacant Housing Units | 183 ( 3.9%) |
| Median Home Value | $395,171 |
| Average Home Value | $442,029 |
Housing Distribution
Address Breakdown
Residential
4,381
Single Family
3,996
Multi-Family
385
Businesses
324
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 1954
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01540, Oxford, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,679 (100%) |
| Owner Occupied HU | 3,516 (75.1%) |
| Renter Occupied HU | 980 (20.9%) |
| Vacant Housing Units | 183 ( 3.9%) |
| Median Home Value | $395,171 |
| Average Home Value | $442,029 |
Housing Distribution
Address Breakdown
Residential
4,381
Single Family
3,996
Multi-Family
385
Businesses
324
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73486486