18 Boot Shop Rd #40UptonMA01568
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 18 Boot Shop Rd #40, Upton, MA, 01568 in Upton the bet is firmly on appreciation. Rental yield 4.25%. The 4.25% gross yield on a $864,900 price is below income-first thresholds, but 5%/yr value growth projects $238,956 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.79) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $174,499.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 5.0% |
| Monthly Cash Flow | $(3,017) | $400 |
City averages based on Upton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,060 |
| Total Monthly Debt Service | $5,107 |
| DSCR Ratio | 0.60x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
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
Townhouse
Built in 2025
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Konevich • Streamline Communities - Upton
Mls Name: MLS PIN
Mls ID: #73347131