20 Harding StCambridgeMA02141
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play20 Harding St, Cambridge, MA, 02141 in Cambridge is priced for appreciation, not yield. Rental yield 1.95%. At $1,699,000 with a 1.95% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $469,402 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.36) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $133,599.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 5.5% |
| Monthly Cash Flow | $(7,949) | $1,200 |
City averages based on Cambridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $10,033 |
| DSCR Ratio | 0.28x |
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.
Multi Family
Built in 1894
1,040 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02141, Cambridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,873 (100%) |
| Owner Occupied HU | 2,086 (23.5%) |
| Renter Occupied HU | 6,161 (69.4%) |
| Vacant Housing Units | 626 ( 7.1%) |
| Median Home Value | $963,768 |
| Average Home Value | $1,101,258 |
Housing Distribution
Address Breakdown
Residential
8,032
Single Family
2,778
Multi-Family
5,254
Businesses
589
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
Multi Family
Built in 1894
1,040 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02141, Cambridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,873 (100%) |
| Owner Occupied HU | 2,086 (23.5%) |
| Renter Occupied HU | 6,161 (69.4%) |
| Vacant Housing Units | 626 ( 7.1%) |
| Median Home Value | $963,768 |
| Average Home Value | $1,101,258 |
Housing Distribution
Address Breakdown
Residential
8,032
Single Family
2,778
Multi-Family
5,254
Businesses
589
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73488720