18 Osgood StLowellMA01851
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 18 Osgood St, Lowell, MA, 01851 in Lowell speaks for itself: 10.35% gross on a $374,900 price, generating $3,234/mo in rent and $871/mo in net income after the $1,686/mo debt service. DSCR 1.92, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,453 stacks alongside $103,578 in projected five-year appreciation and $3,453/yr in principal reduction. Projected total cumulative return: $198,431.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.1% |
| Monthly Cash Flow | $871 | $420 |
City averages based on Lowell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,234 |
| Total Monthly Debt Service | $2,214 |
| DSCR Ratio | 1.46x |
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 1925
1,307 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01851, Lowell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,368 (100%) |
| Owner Occupied HU | 4,576 (40.3%) |
| Renter Occupied HU | 6,260 (55.1%) |
| Vacant Housing Units | 532 ( 4.7%) |
| Median Home Value | $523,958 |
| Average Home Value | $702,585 |
Housing Distribution
Address Breakdown
Residential
10,800
Single Family
8,429
Multi-Family
2,371
Businesses
830
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 1925
1,307 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01851, Lowell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,368 (100%) |
| Owner Occupied HU | 4,576 (40.3%) |
| Renter Occupied HU | 6,260 (55.1%) |
| Vacant Housing Units | 532 ( 4.7%) |
| Median Home Value | $523,958 |
| Average Home Value | $702,585 |
Housing Distribution
Address Breakdown
Residential
10,800
Single Family
8,429
Multi-Family
2,371
Businesses
830
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices