197 Main StSouth GraftonMA01560
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis South Grafton rental at 197 Main St, South Grafton, MA, 01560 sits in the solid-income band: 10.44% gross yield, $2,610/mo rent, $387/mo net after the $1,349/mo debt service, DSCR 1.93. Entry price of $300,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $82,884 and $2,763/yr in principal reduction bring total cumulative return to $140,284.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.0% |
| Monthly Cash Flow | $387 | $350 |
City averages based on South Grafton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,610 |
| Total Monthly Debt Service | $2,103 |
| DSCR Ratio | 1.24x |
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 1900
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01560, South Grafton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,044 (100%) |
| Owner Occupied HU | 1,255 (61.4%) |
| Renter Occupied HU | 733 (35.9%) |
| Vacant Housing Units | 56 ( 2.7%) |
| Median Home Value | $633,726 |
| Average Home Value | $635,727 |
Housing Distribution
Address Breakdown
Residential
1,933
Single Family
1,851
Multi-Family
82
Businesses
94
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 1900
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01560, South Grafton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,044 (100%) |
| Owner Occupied HU | 1,255 (61.4%) |
| Renter Occupied HU | 733 (35.9%) |
| Vacant Housing Units | 56 ( 2.7%) |
| Median Home Value | $633,726 |
| Average Home Value | $635,727 |
Housing Distribution
Address Breakdown
Residential
1,933
Single Family
1,851
Multi-Family
82
Businesses
94
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices