20 Merrifield RdBernardstonMA01337
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 20 Merrifield Rd, Bernardston, MA, 01337 in Bernardston is capital appreciation. Rental yield 3.17%. The 3.17% gross yield at $959,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $265,203 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.59) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $138,446.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 5.8% |
| Monthly Cash Flow | $(3,513) | $450 |
City averages based on Bernardston market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,537 |
| Total Monthly Debt Service | $5,668 |
| DSCR Ratio | 0.45x |
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.
Single Family
Built in 2026
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01337, Bernardston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,248 (100%) |
| Owner Occupied HU | 1,007 (80.7%) |
| Renter Occupied HU | 168 (13.5%) |
| Vacant Housing Units | 73 ( 5.8%) |
| Median Home Value | $367,014 |
| Average Home Value | $423,600 |
Housing Distribution
Address Breakdown
Residential
1,025
Single Family
1,025
Multi-Family
0
Businesses
66
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 2026
2.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01337, Bernardston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,248 (100%) |
| Owner Occupied HU | 1,007 (80.7%) |
| Renter Occupied HU | 168 (13.5%) |
| Vacant Housing Units | 73 ( 5.8%) |
| Median Home Value | $367,014 |
| Average Home Value | $423,600 |
Housing Distribution
Address Breakdown
Residential
1,025
Single Family
1,025
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73500685