19 Oak Bluff RdSagamore BeachMA02562
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 19 Oak Bluff Rd, Sagamore Beach, MA, 02562 in Sagamore Beach is capital appreciation. Rental yield 5.75%. The 5.75% gross yield at $799,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $220,998 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.07) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $225,934.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 5.5% |
| Monthly Cash Flow | $(1,209) | $6,500 |
City averages based on Sagamore Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,833 |
| Total Monthly Debt Service | $4,723 |
| DSCR Ratio | 0.81x |
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 1998
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02562, Sagamore Beach, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,766 (100%) |
| Owner Occupied HU | 1,115 (63.1%) |
| Renter Occupied HU | 233 (13.2%) |
| Vacant Housing Units | 418 (23.7%) |
| Median Home Value | $669,330 |
| Average Home Value | $767,419 |
Housing Distribution
Address Breakdown
Residential
1,108
Single Family
1,108
Multi-Family
0
Businesses
189
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 1998
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02562, Sagamore Beach, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,766 (100%) |
| Owner Occupied HU | 1,115 (63.1%) |
| Renter Occupied HU | 233 (13.2%) |
| Vacant Housing Units | 418 (23.7%) |
| Median Home Value | $669,330 |
| Average Home Value | $767,419 |
Housing Distribution
Address Breakdown
Residential
1,108
Single Family
1,108
Multi-Family
0
Businesses
189
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sweeney Team • William Raveis R.E. & Home Services
Mls Name: MLS PIN
Mls ID: #73456216