28 Gargon Ter, Southwick, MA, 01077 | $1,245/mo Cash Flow

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Monthly Cash Flow: 1 - 3k+

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28 Gargon Ter, Southwick, MA, 01077 | $1,245/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Southwick at 28 Gargon Ter, Southwick, MA, 01077 offers a 11.65% rental yield on a $365,000 purchase with $3,545/mo rent. Total monthly income registers $3,545/mo, and a $1,786/mo payment leaves $1,245/mo available for distribution. Annual cash flow reaches $14,940/yr on $120,998 to close, and return on cash invested stands at 32.26% in year one. Equity gained on principal adds $2,355/yr while 5% annual appreciation supports $100,843 over five years. Portfolio math shows five-year ROI at 169.18% and total cumulative return in cash at $204,703. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $3,545/mo property income against a $1,786/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Single Family

Built in 1955

0.34 Acres lot

$N/A/sqft

No HOA

More details about the property

Welcome to 28 Gargon Terracewhere timeless Colonial charm meets modern comfort at the end of a peaceful cul-de-sac in sought-after Southwick. This beautifully updated 3-bedroom, 2.1-bath home offers space, style, and flexibility for todays lifestyle. The stunning eat-in kitchen (2021) features granite counters, custom cabinetry, and an inviting flow to the deckperfect for entertaining or quiet mornings. The main level also boasts gleaming hardwood floors, a first-floor bedroom, and a gorgeous full bath (2025). Upstairs, the spacious primary suite offers a walk-in closet and private bath, while a bright loft provides a perfect office, reading nook, or creative space. A second bedroom and half bath complete the upper level. With new central air (2021), this home is truly move-in ready. Nestled near parks, schools, and the bike path, 28 Gargon Terrace offers the best of privacy, convenience, and classic New England living.

Neighborhood Data

Neighborhood data shown for ZIP Code: 01077, Southwick, MA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	4,317 (100%)
Owner Occupied HU	3,288 (76.2%)
Renter Occupied HU	727 (16.8%)
Vacant Housing Units	302 ( 7.0%)
Median Home Value	$461,010
Average Home Value	$484,192