20 Depot StSouthwickMA01077
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 20 Depot St, Southwick, MA, 01077 in Southwick hard to pass up. The 11.34% gross yield on a $389,900 purchase results in $3,685/mo in rent and $1,228/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.10). Annual cash flow of $14,733, five-year appreciation of $107,722, and $3,591/yr in equity build-up combine for a projected total cumulative return of $227,045.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 7.0% |
| Monthly Cash Flow | $1,228 | $800 |
City averages based on Southwick market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,685 |
| Total Monthly Debt Service | $2,302 |
| DSCR Ratio | 1.60x |
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 1805
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01077, Southwick, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,317 (100%) |
| Owner Occupied HU | 3,288 (76.2%) |
| Renter Occupied HU | 727 (16.8%) |
| Vacant Housing Units | 302 ( 7.0%) |
| Median Home Value | $461,010 |
| Average Home Value | $484,192 |
Housing Distribution
Address Breakdown
Residential
3,882
Single Family
3,492
Multi-Family
390
Businesses
330
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 1805
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01077, Southwick, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,317 (100%) |
| Owner Occupied HU | 3,288 (76.2%) |
| Renter Occupied HU | 727 (16.8%) |
| Vacant Housing Units | 302 ( 7.0%) |
| Median Home Value | $461,010 |
| Average Home Value | $484,192 |
Housing Distribution
Address Breakdown
Residential
3,882
Single Family
3,492
Multi-Family
390
Businesses
330
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73494503