172 Middle St APT 209, Lowell, MA, 01852 | $431/mo Cash Flow

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Monthly Cash Flow: 1 - 3k+

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172 Middle St APT 209, Lowell, MA, 01852 | $431/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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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Investment Highlights

Investment property for sale in Lowell at 172 Middle St APT 209, Lowell, MA, 01852 earns $431/mo cash flow from $2,195/mo rent with a $1,370/mo payment. Total monthly income totals $2,195/mo, and annual cash flow totals $5,168/yr on $92,820 capital. ROI tracks 25.48% on current figures, and rental yield reads 9.41% at a $279,999 purchase. Equity gained on principal adds $1,807/yr, and 5% annual appreciation supports $77,359 over five years. Five-year ROI reaches 132.86% and total cumulative return in cash sums $123,320. Financing can be set up with Ziffy Mortgage’s DSCR loan, which is driven by $2,195/mo property income instead of your personal income.

Condo

Built in 1880

N/A lot

$N/A/sqft

No HOA

More details about the property

Experience loft-style, single-level living in this spacious Ayer Lofts condo, ideally situated on a historic cobblestone street in the heart of downtown Lowell. This unique one-bedroom, one-bathroom unit combines modern comfort with authentic character, featuring soaring ceilings, expansive windows that flood the space with natural light, and polished concrete flooring throughout. The open loft layout offers both flexibility and charm, while the designated bedroom area provides comfort and privacy. A well-appointed kitchen anchors the space with style and functionality, perfect for both everyday living and entertaining. Enjoy the vibrant lifestyle that downtown Lowell has to offer, with theaters, restaurants, galleries, the Lowell Auditorium, and the Tsongas Center all just steps from your door. Commuters will love the convenience of being close to Routes 495, 93, 3, and the Lowell Connector, making travel in and out of the city a breeze. Style, character, and convenience await!

Neighborhood Data

Neighborhood data shown for ZIP Code: 01852, Lowell, MA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	15,854 (100%)
Owner Occupied HU	6,449 (40.7%)
Renter Occupied HU	8,567 (54.0%)
Vacant Housing Units	838 ( 5.3%)
Median Home Value	$469,145
Average Home Value	$555,537