16 Pearl RdNahantMA01908
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 16 Pearl Rd, Nahant, MA, 01908 in Nahant is capital appreciation. Rental yield 5.02%. The 5.02% gross yield at $1,325,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $366,073 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.93) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $322,415.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 7.4% |
| Monthly Cash Flow | $(2,807) | $350 |
City averages based on Nahant market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,544 |
| Total Monthly Debt Service | $7,824 |
| DSCR Ratio | 0.71x |
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.
Single Family
Built in 1900
7,275 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01908, Nahant, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,675 (100%) |
| Owner Occupied HU | 1,131 (67.5%) |
| Renter Occupied HU | 414 (24.7%) |
| Vacant Housing Units | 130 ( 7.8%) |
| Median Home Value | $866,007 |
| Average Home Value | $993,212 |
Housing Distribution
Address Breakdown
Residential
1,636
Single Family
1,417
Multi-Family
219
Businesses
82
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
7,275 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01908, Nahant, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,675 (100%) |
| Owner Occupied HU | 1,131 (67.5%) |
| Renter Occupied HU | 414 (24.7%) |
| Vacant Housing Units | 130 ( 7.8%) |
| Median Home Value | $866,007 |
| Average Home Value | $993,212 |
Housing Distribution
Address Breakdown
Residential
1,636
Single Family
1,417
Multi-Family
219
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices