25 Ashley StPittsfieldMA01201
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 25 Ashley St, Pittsfield, MA, 01201 in Pittsfield at $204,900 earns $1,477/mo in rent and nets $186/mo after the $921/mo payment, a 8.65% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $56,610 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $1,887/yr in principal paydown, total projected return reaches $89,796.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.8% |
| Monthly Cash Flow | $186 | $450 |
City averages based on Pittsfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,477 |
| Total Monthly Debt Service | $1,210 |
| DSCR Ratio | 1.22x |
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 1905
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01201, Pittsfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,359 (100%) |
| Owner Occupied HU | 12,126 (54.2%) |
| Renter Occupied HU | 7,874 (35.2%) |
| Vacant Housing Units | 2,359 (10.6%) |
| Median Home Value | $291,997 |
| Average Home Value | $371,990 |
Housing Distribution
Address Breakdown
Residential
20,727
Single Family
18,878
Multi-Family
1,849
Businesses
1,602
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 1905
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01201, Pittsfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,359 (100%) |
| Owner Occupied HU | 12,126 (54.2%) |
| Renter Occupied HU | 7,874 (35.2%) |
| Vacant Housing Units | 2,359 (10.6%) |
| Median Home Value | $291,997 |
| Average Home Value | $371,990 |
Housing Distribution
Address Breakdown
Residential
20,727
Single Family
18,878
Multi-Family
1,849
Businesses
1,602
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Timothy Disilva • SUMMIT REALTY
Mls Name: BCMLS
Mls ID: #247746