185 Pine RdOtisMA01253
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play185 Pine Rd, Otis, MA, 01253 in Otis is priced for appreciation, not yield. Rental yield 3.02%. At $707,500 with a 3.02% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $195,469 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.56) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $96,437.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.0% |
| Monthly Cash Flow | $(2,676) | $450 |
City averages based on Otis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,783 |
| Total Monthly Debt Service | $4,178 |
| DSCR Ratio | 0.43x |
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 1968
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01253, Otis, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 952 (100%) |
| Owner Occupied HU | 469 (49.3%) |
| Renter Occupied HU | 55 ( 5.8%) |
| Vacant Housing Units | 428 (45.0%) |
| Median Home Value | $458,482 |
| Average Home Value | $542,527 |
Housing Distribution
Address Breakdown
Residential
23
Single Family
23
Multi-Family
0
Businesses
42
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 1968
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01253, Otis, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 952 (100%) |
| Owner Occupied HU | 469 (49.3%) |
| Renter Occupied HU | 55 ( 5.8%) |
| Vacant Housing Units | 428 (45.0%) |
| Median Home Value | $458,482 |
| Average Home Value | $542,527 |
Housing Distribution
Address Breakdown
Residential
23
Single Family
23
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kim Bergland • RED HORSE REAL ESTATE, LLC
Mls Name: BCMLS
Mls Provider:
Mls ID: #246240
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