25 Groton School Rd #23AyerMA01432
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 25 Groton School Rd #23, Ayer, MA, 01432 in Ayer at $216,500 earns $1,456/mo in rent and nets $91/mo after the $974/mo payment, a 8.07% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $59,815 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $1,994/yr in principal paydown, total projected return reaches $88,109.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.2% |
| Monthly Cash Flow | $91 | $900 |
City averages based on Ayer market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,456 |
| Total Monthly Debt Service | $1,278 |
| DSCR Ratio | 1.14x |
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 2019
N/A 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 2019
N/A 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: Pablo Graciale • EXIT New Options Real Estate
Mls Name: MLS PIN
Mls ID: #73458021