21 Highland Park RdRutlandMA01543
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 21 Highland Park Rd, Rutland, MA, 01543 in Rutland is narrow, $196/mo net on $2,963/mo rent after the $1,974/mo debt service, but the property operates at break-even-plus, not a loss. At $439,000 with a 8.1% yield, the long-run equity case via 5% appreciation ($121,288 over five years) and $4,043/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $179,304.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $196 | $850 |
City averages based on Rutland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,963 |
| Total Monthly Debt Service | $2,592 |
| DSCR Ratio | 1.14x |
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 1946
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01543, Rutland, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,678 (100%) |
| Owner Occupied HU | 3,098 (84.2%) |
| Renter Occupied HU | 449 (12.2%) |
| Vacant Housing Units | 131 ( 3.6%) |
| Median Home Value | $533,658 |
| Average Home Value | $582,607 |
Housing Distribution
Address Breakdown
Residential
3,308
Single Family
3,234
Multi-Family
74
Businesses
132
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 1946
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01543, Rutland, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,678 (100%) |
| Owner Occupied HU | 3,098 (84.2%) |
| Renter Occupied HU | 449 (12.2%) |
| Vacant Housing Units | 131 ( 3.6%) |
| Median Home Value | $533,658 |
| Average Home Value | $582,607 |
Housing Distribution
Address Breakdown
Residential
3,308
Single Family
3,234
Multi-Family
74
Businesses
132
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynn Richards • ERA Key Realty Services- Fram
Mls Name: MLS PIN
Mls ID: #73454022