161 Plymouth StFitchburgMA01420
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 161 Plymouth St, Fitchburg, MA, 01420 in Fitchburg is narrow, $55/mo net on $2,734/mo rent after the $2,015/mo debt service, but the property operates at break-even-plus, not a loss. At $425,000 with a 7.72% yield, the long-run equity case via 5% appreciation ($117,420 over five years) and $3,563/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.36 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $156,937.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.8% |
| Monthly Cash Flow | $55 | $450 |
City averages based on Fitchburg market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,734 |
| Total Monthly Debt Service | $2,613 |
| DSCR Ratio | 1.05x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 1927
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01420, Fitchburg, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,790 (100%) |
| Owner Occupied HU | 8,726 (49.1%) |
| Renter Occupied HU | 7,837 (44.1%) |
| Vacant Housing Units | 1,227 ( 6.9%) |
| Median Home Value | $373,021 |
| Average Home Value | $413,902 |
Housing Distribution
Address Breakdown
Residential
16,414
Single Family
14,284
Multi-Family
2,130
Businesses
1,215
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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
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Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73560426
