21 Rock AveOak BluffsMA02557
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing21 Rock Ave, Oak Bluffs, MA, 02557 in Oak Bluffs is a stable, well-positioned rental at $500,000. Rental yield 6.23%. DSCR 1.15 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $138,141 in value and $4,605/yr in principal paydown builds equity, a total projected return of $143,979.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 5.1% |
| Monthly Cash Flow | $(725) | $950 |
City averages based on Oak Bluffs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,596 |
| Total Monthly Debt Service | $3,122 |
| DSCR Ratio | 0.83x |
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 1870
N/A lot
$N/A/sqft
$2,036 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02557, Oak Bluffs, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 741 (100%) |
| Owner Occupied HU | 235 (31.7%) |
| Renter Occupied HU | 87 (11.7%) |
| Vacant Housing Units | 419 (56.5%) |
| Median Home Value | $1,068,750 |
| Average Home Value | $1,091,638 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
234
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 1870
N/A lot
$N/A/sqft
$2,036 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02557, Oak Bluffs, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 741 (100%) |
| Owner Occupied HU | 235 (31.7%) |
| Renter Occupied HU | 87 (11.7%) |
| Vacant Housing Units | 419 (56.5%) |
| Median Home Value | $1,068,750 |
| Average Home Value | $1,091,638 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
234
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marilyn Moses Cell 617-462-0381 ANYTIME! • Ocean Park Realty Inc
Mls Name: LINK
Mls ID: #42987
Disclaimer: 2025 LINK, All Rights Reserved. Data last updated: 2025-10-31 22:09:24 PDT. Some properties may no longer be for sale if they have gone under contract, have sold, or are no longer being offered for sale since the last update.