18 January Hills RdShutesburyMA01072
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 18 January Hills Rd, Shutesbury, MA, 01072 in Shutesbury is listed at $380,000 and delivers $2,794/mo in rent and $399/mo in net monthly cash flow. The 8.82% yield and 1.63 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $104,987 over five years, and $3,500/yr in principal reduction supplements cash return. Total projected cumulative return: $169,938.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.0% |
| Monthly Cash Flow | $399 | $750 |
City averages based on Shutesbury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,794 |
| Total Monthly Debt Service | $2,244 |
| DSCR Ratio | 1.25x |
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 1950
3.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01072, Shutesbury, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 663 (100%) |
| Owner Occupied HU | 473 (71.3%) |
| Renter Occupied HU | 82 (12.4%) |
| Vacant Housing Units | 108 (16.3%) |
| Median Home Value | $400,704 |
| Average Home Value | $464,604 |
Housing Distribution
Address Breakdown
Residential
548
Single Family
548
Multi-Family
0
Businesses
24
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 1950
3.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01072, Shutesbury, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 663 (100%) |
| Owner Occupied HU | 473 (71.3%) |
| Renter Occupied HU | 82 (12.4%) |
| Vacant Housing Units | 108 (16.3%) |
| Median Home Value | $400,704 |
| Average Home Value | $464,604 |
Housing Distribution
Address Breakdown
Residential
548
Single Family
548
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joyce Fill • Coldwell Banker Community REALTORS
Mls Name: MLS PIN
Mls ID: #73406868