25 Groton School Rd #14AyerMA01432
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 25 Groton School Rd #14, Ayer, MA, 01432 in Ayer is straightforward: $235,000 in, $1,980/mo in rent, $499/mo out after debt service. The 10.11% gross yield and 1.87 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $64,926 by year five. With $2,164/yr in principal equity, the total cumulative return is projected at $121,352.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 5.2% |
| Monthly Cash Flow | $499 | $900 |
City averages based on Ayer market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $1,388 |
| DSCR Ratio | 1.43x |
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.
Manufactured
Built in 2025
4,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01432, Ayer, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,831 (100%) |
| Owner Occupied HU | 2,280 (59.5%) |
| Renter Occupied HU | 1,318 (34.4%) |
| Vacant Housing Units | 233 ( 6.1%) |
| Median Home Value | $548,766 |
| Average Home Value | $629,171 |
Housing Distribution
Address Breakdown
Residential
3,710
Single Family
3,345
Multi-Family
365
Businesses
357
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
Manufactured
Built in 2025
4,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01432, Ayer, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,831 (100%) |
| Owner Occupied HU | 2,280 (59.5%) |
| Renter Occupied HU | 1,318 (34.4%) |
| Vacant Housing Units | 233 ( 6.1%) |
| Median Home Value | $548,766 |
| Average Home Value | $629,171 |
Housing Distribution
Address Breakdown
Residential
3,710
Single Family
3,345
Multi-Family
365
Businesses
357
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JoAnne Hamberg-Magurn • Real Estate Exchange
Mls Name: MLS PIN
Mls ID: #73402933