216 River StHoldenMA01520
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 216 River St, Holden, MA, 01520 in Holden. At $619,900 it earns $4,367/mo in rent and distributes $460/mo to the owner after the $2,787/mo payment, a consistent 8.45% yield. DSCR 1.57 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $171,267 in value; $5,709/yr in principal paydown compounds ownership stake. Total projected return: $264,975.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 4.5% |
| Monthly Cash Flow | $460 | $1,200 |
City averages based on Holden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,367 |
| Total Monthly Debt Service | $3,660 |
| DSCR Ratio | 1.19x |
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 2016
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01520, Holden, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,273 (100%) |
| Owner Occupied HU | 5,383 (85.8%) |
| Renter Occupied HU | 770 (12.3%) |
| Vacant Housing Units | 120 ( 1.9%) |
| Median Home Value | $577,093 |
| Average Home Value | $591,793 |
Housing Distribution
Address Breakdown
Residential
6,086
Single Family
5,642
Multi-Family
444
Businesses
381
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 2016
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01520, Holden, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,273 (100%) |
| Owner Occupied HU | 5,383 (85.8%) |
| Renter Occupied HU | 770 (12.3%) |
| Vacant Housing Units | 120 ( 1.9%) |
| Median Home Value | $577,093 |
| Average Home Value | $591,793 |
Housing Distribution
Address Breakdown
Residential
6,086
Single Family
5,642
Multi-Family
444
Businesses
381
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maria Troka • A & E Realty Company, Inc.
Mls Name: MLS PIN
Mls ID: #73412378