20 Bolton StWorcesterMA01604
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 20 Bolton St, Worcester, MA, 01604 in Worcester: $2,786/mo in rent, $745/mo net, 10.48% gross yield, all on a $319,000 acquisition. The 1.94 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $88,134 in value, and $2,938/yr in principal paydown steadily builds equity. Projected total cumulative return: $169,191.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 8.0% |
| Monthly Cash Flow | $745 | $300 |
City averages based on Worcester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,786 |
| Total Monthly Debt Service | $1,915 |
| DSCR Ratio | 1.45x |
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 1988
4,442 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01604, Worcester, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,399 (100%) |
| Owner Occupied HU | 7,277 (39.6%) |
| Renter Occupied HU | 10,006 (54.4%) |
| Vacant Housing Units | 1,116 ( 6.1%) |
| Median Home Value | $391,828 |
| Average Home Value | $466,459 |
Housing Distribution
Address Breakdown
Residential
15,186
Single Family
11,687
Multi-Family
3,499
Businesses
1,103
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 1988
4,442 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01604, Worcester, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,399 (100%) |
| Owner Occupied HU | 7,277 (39.6%) |
| Renter Occupied HU | 10,006 (54.4%) |
| Vacant Housing Units | 1,116 ( 6.1%) |
| Median Home Value | $391,828 |
| Average Home Value | $466,459 |
Housing Distribution
Address Breakdown
Residential
15,186
Single Family
11,687
Multi-Family
3,499
Businesses
1,103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kim McKean • Lamacchia Realty, Inc.
Mls Name: MLS PIN
Mls ID: #73478852
Disclaimer: The property listing data and information set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information are for the personal, non commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc. and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information set forth herein. The MLS listing information displayed is deemed reliable, but is not guaranteed accurate by the MLS.