174 Little River RoadCotuitMA02635
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.58% gross rental yield, 174 Little River Road, Cotuit, MA, 02635 in Cotuit is priced for capital growth, not immediate cash flow. The $1,775,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $490,400 by year five, with $16,348/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.66) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $294,672.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 5.0% |
| Monthly Cash Flow | $(5,893) | $1,200 |
City averages based on Cotuit market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,294 |
| Total Monthly Debt Service | $10,481 |
| DSCR Ratio | 0.51x |
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 2000
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02635, Cotuit, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,357 (100%) |
| Owner Occupied HU | 1,494 (63.4%) |
| Renter Occupied HU | 133 ( 5.6%) |
| Vacant Housing Units | 730 (31.0%) |
| Median Home Value | $711,136 |
| Average Home Value | $838,708 |
Housing Distribution
Address Breakdown
Residential
1,467
Single Family
1,467
Multi-Family
0
Businesses
94
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 2000
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02635, Cotuit, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,357 (100%) |
| Owner Occupied HU | 1,494 (63.4%) |
| Renter Occupied HU | 133 ( 5.6%) |
| Vacant Housing Units | 730 (31.0%) |
| Median Home Value | $711,136 |
| Average Home Value | $838,708 |
Housing Distribution
Address Breakdown
Residential
1,467
Single Family
1,467
Multi-Family
0
Businesses
94
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karen E Breen • Kinlin Grover Compass
Mls Name: CCIMLS
Mls ID: #22504444