20 Quality StAdamsMA01220
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 20 Quality St, Adams, MA, 01220 in Adams delivers $1,785/mo in gross rent and $216/mo in net monthly income at a $249,000 entry. The 8.6% yield and 1.59 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $68,794 over five years and $2,293/yr in equity from loan paydown, total projected return is $108,417.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.0% |
| Monthly Cash Flow | $216 | $800 |
City averages based on Adams market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,785 |
| Total Monthly Debt Service | $1,470 |
| DSCR Ratio | 1.21x |
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 1900
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01220, Adams, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,349 (100%) |
| Owner Occupied HU | 2,376 (54.6%) |
| Renter Occupied HU | 1,442 (33.2%) |
| Vacant Housing Units | 531 (12.2%) |
| Median Home Value | $231,808 |
| Average Home Value | $286,094 |
Housing Distribution
Address Breakdown
Residential
3,897
Single Family
3,515
Multi-Family
382
Businesses
255
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 1900
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01220, Adams, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,349 (100%) |
| Owner Occupied HU | 2,376 (54.6%) |
| Renter Occupied HU | 1,442 (33.2%) |
| Vacant Housing Units | 531 (12.2%) |
| Median Home Value | $231,808 |
| Average Home Value | $286,094 |
Housing Distribution
Address Breakdown
Residential
3,897
Single Family
3,515
Multi-Family
382
Businesses
255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cheryl Ryan • BISHOP WEST REAL ESTATE
Mls Name: BCMLS
Mls ID: #247527