20 Swallow StEast FalmouthMA02536
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 20 Swallow St, East Falmouth, MA, 02536 in East Falmouth fits: $789,000, 4.56% gross yield, and a projected 5% annual appreciation rate adding $217,986 in value within five years. Rental yield 4.56%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.85) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,267/yr in principal paydown and $217,986 in appreciation project a total return of $172,603.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.2% |
| Monthly Cash Flow | $(1,973) | $850 |
City averages based on East Falmouth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $4,659 |
| DSCR Ratio | 0.64x |
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 1980
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02536, East Falmouth, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,923 (100%) |
| Owner Occupied HU | 7,193 (55.7%) |
| Renter Occupied HU | 1,551 (12.0%) |
| Vacant Housing Units | 4,179 (32.3%) |
| Median Home Value | $703,795 |
| Average Home Value | $801,507 |
Housing Distribution
Address Breakdown
Residential
11,643
Single Family
11,560
Multi-Family
83
Businesses
410
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 1980
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02536, East Falmouth, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,923 (100%) |
| Owner Occupied HU | 7,193 (55.7%) |
| Renter Occupied HU | 1,551 (12.0%) |
| Vacant Housing Units | 4,179 (32.3%) |
| Median Home Value | $703,795 |
| Average Home Value | $801,507 |
Housing Distribution
Address Breakdown
Residential
11,643
Single Family
11,560
Multi-Family
83
Businesses
410
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Fred Ginches • Assurance Real Estate, LLC
Mls Name: MLS PIN
Mls ID: #73460206