227 East StGranbyMA01033
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 227 East St, Granby, MA, 01033 in Granby fits: $1,250,000, 2.88% gross yield, and a projected 5% annual appreciation rate adding $345,352 in value within five years. Rental yield 2.88%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.53) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $11,513/yr in principal paydown and $345,352 in appreciation project a total return of $160,591.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 7.0% |
| Monthly Cash Flow | $(4,880) | $350 |
City averages based on Granby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,999 |
| Total Monthly Debt Service | $7,381 |
| DSCR Ratio | 0.41x |
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 2017
13.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01033, Granby, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,544 (100%) |
| Owner Occupied HU | 2,124 (83.5%) |
| Renter Occupied HU | 321 (12.6%) |
| Vacant Housing Units | 99 ( 3.9%) |
| Median Home Value | $458,609 |
| Average Home Value | $499,001 |
Housing Distribution
Address Breakdown
Residential
2,400
Single Family
2,388
Multi-Family
12
Businesses
173
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 2017
13.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01033, Granby, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,544 (100%) |
| Owner Occupied HU | 2,124 (83.5%) |
| Renter Occupied HU | 321 (12.6%) |
| Vacant Housing Units | 99 ( 3.9%) |
| Median Home Value | $458,609 |
| Average Home Value | $499,001 |
Housing Distribution
Address Breakdown
Residential
2,400
Single Family
2,388
Multi-Family
12
Businesses
173
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karolina Podolska • Real Broker MA, LLC
Mls Name: MLS PIN
Mls ID: #73372329