163 Rowley Hill RdSterlingMA01564
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Sterling rental at 163 Rowley Hill Rd, Sterling, MA, 01564 sits in the solid-income band: 8.05% gross yield, $4,194/mo rent, $255/mo net after the $2,810/mo debt service, DSCR 1.49. Entry price of $625,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $172,676 and $5,756/yr in principal reduction bring total cumulative return to $253,726.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $255 | $150 |
City averages based on Sterling market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,194 |
| Total Monthly Debt Service | $3,691 |
| 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 1900
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01564, Sterling, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,258 (100%) |
| Owner Occupied HU | 2,787 (85.5%) |
| Renter Occupied HU | 365 (11.2%) |
| Vacant Housing Units | 106 ( 3.3%) |
| Median Home Value | $546,772 |
| Average Home Value | $575,745 |
Housing Distribution
Address Breakdown
Residential
2,938
Single Family
2,854
Multi-Family
84
Businesses
284
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
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01564, Sterling, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,258 (100%) |
| Owner Occupied HU | 2,787 (85.5%) |
| Renter Occupied HU | 365 (11.2%) |
| Vacant Housing Units | 106 ( 3.3%) |
| Median Home Value | $546,772 |
| Average Home Value | $575,745 |
Housing Distribution
Address Breakdown
Residential
2,938
Single Family
2,854
Multi-Family
84
Businesses
284
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Valerie Fournier • Realty One Group Dream Makers
Mls Name: MLS PIN
Mls ID: #73425794