160 Bernard CirTisburyMA02568
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play160 Bernard Cir, Tisbury, MA, 02568 in Tisbury is priced for appreciation, not yield. Rental yield 4.02%. At $1,195,000 with a 4.02% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $330,156 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.75) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $226,699.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 5.5% |
| Monthly Cash Flow | $(3,529) | $650 |
City averages based on Tisbury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,003 |
| Total Monthly Debt Service | $7,056 |
| DSCR Ratio | 0.57x |
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 1977
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02568, Vineyard Haven, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,165 (100%) |
| Owner Occupied HU | 4,045 (44.1%) |
| Renter Occupied HU | 1,660 (18.1%) |
| Vacant Housing Units | 3,460 (37.8%) |
| Median Home Value | $1,073,166 |
| Average Home Value | $1,175,226 |
Housing Distribution
Address Breakdown
Residential
1,955
Single Family
1,764
Multi-Family
191
Businesses
442
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 1977
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02568, Vineyard Haven, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,165 (100%) |
| Owner Occupied HU | 4,045 (44.1%) |
| Renter Occupied HU | 1,660 (18.1%) |
| Vacant Housing Units | 3,460 (37.8%) |
| Median Home Value | $1,073,166 |
| Average Home Value | $1,175,226 |
Housing Distribution
Address Breakdown
Residential
1,955
Single Family
1,764
Multi-Family
191
Businesses
442
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dawn M Bellante • Sandpiper Realty Inc
Mls Name: Martha's Vineyard MLS
Mls ID: #32500092
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.