20 Greenwood St #10WestfieldMA01085
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 20 Greenwood St #10, Westfield, MA, 01085 in Westfield earns a 9.55% gross yield at $169,900. Rent of $1,352/mo nets $281/mo after the $764/mo mortgage. The 1.77 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $46,940 and $1,565/yr in equity accumulation project a total cumulative return of $82,599.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $281 | $450 |
City averages based on Westfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,352 |
| Total Monthly Debt Service | $1,003 |
| DSCR Ratio | 1.35x |
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.
Townhouse
Built in 1986
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01085, Westfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,388 (100%) |
| Owner Occupied HU | 11,178 (64.3%) |
| Renter Occupied HU | 5,229 (30.1%) |
| Vacant Housing Units | 981 ( 5.6%) |
| Median Home Value | $354,538 |
| Average Home Value | $397,530 |
Housing Distribution
Address Breakdown
Residential
16,524
Single Family
14,486
Multi-Family
2,038
Businesses
1,051
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
Townhouse
Built in 1986
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01085, Westfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,388 (100%) |
| Owner Occupied HU | 11,178 (64.3%) |
| Renter Occupied HU | 5,229 (30.1%) |
| Vacant Housing Units | 981 ( 5.6%) |
| Median Home Value | $354,538 |
| Average Home Value | $397,530 |
Housing Distribution
Address Breakdown
Residential
16,524
Single Family
14,486
Multi-Family
2,038
Businesses
1,051
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Peggy Lis Barone • Lis Real Estate, Inc.
Mls Name: MLS PIN
Mls ID: #73413661