157 Oak StNorthamptonMA01062
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 157 Oak St, Northampton, MA, 01062 in Northampton deserves attention. This $349,000 property earns $3,438/mo in rent, a 11.82% gross yield, and nets $1,238/mo after the $1,569/mo payment. DSCR 2.19 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $96,422 compounds alongside $3,214/yr in yearly equity build, for a total cumulative return of $212,234.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 5.8% |
| Monthly Cash Flow | $1,238 | $700 |
City averages based on Northampton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,438 |
| Total Monthly Debt Service | $2,061 |
| DSCR Ratio | 1.67x |
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 1900
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01062, Florence, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,016 (100%) |
| Owner Occupied HU | 3,533 (70.4%) |
| Renter Occupied HU | 1,270 (25.3%) |
| Vacant Housing Units | 213 ( 4.2%) |
| Median Home Value | $519,261 |
| Average Home Value | $553,756 |
Housing Distribution
Address Breakdown
Residential
4,798
Single Family
4,267
Multi-Family
531
Businesses
407
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 1900
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01062, Florence, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,016 (100%) |
| Owner Occupied HU | 3,533 (70.4%) |
| Renter Occupied HU | 1,270 (25.3%) |
| Vacant Housing Units | 213 ( 4.2%) |
| Median Home Value | $519,261 |
| Average Home Value | $553,756 |
Housing Distribution
Address Breakdown
Residential
4,798
Single Family
4,267
Multi-Family
531
Businesses
407
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deborah Cahillane • Brick & Mortar Northampton
Mls Name: MLS PIN
Mls ID: #73419986