205 Beaman RdSterlingMA01564
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 205 Beaman Rd, Sterling, MA, 01564 in Sterling is narrow, $76/mo net on $3,542/mo rent after the $2,473/mo debt service, but the property operates at break-even-plus, not a loss. At $549,900 with a 7.73% yield, the long-run equity case via 5% appreciation ($151,927 over five years) and $5,065/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $213,681.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $76 | $150 |
City averages based on Sterling market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,542 |
| Total Monthly Debt Service | $3,247 |
| DSCR Ratio | 1.09x |
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 1972
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01564, Sterling, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,258 (100%) |
| Owner Occupied HU | 2,787 (85.5%) |
| Renter Occupied HU | 365 (11.2%) |
| Vacant Housing Units | 106 ( 3.3%) |
| Median Home Value | $546,772 |
| Average Home Value | $575,745 |
Housing Distribution
Address Breakdown
Residential
2,938
Single Family
2,854
Multi-Family
84
Businesses
284
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 1972
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01564, Sterling, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,258 (100%) |
| Owner Occupied HU | 2,787 (85.5%) |
| Renter Occupied HU | 365 (11.2%) |
| Vacant Housing Units | 106 ( 3.3%) |
| Median Home Value | $546,772 |
| Average Home Value | $575,745 |
Housing Distribution
Address Breakdown
Residential
2,938
Single Family
2,854
Multi-Family
84
Businesses
284
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kali Hogan Delorey Team • RE/MAX Journey
Mls Name: MLS PIN
Mls ID: #73421895