28 Spring StPetershamMA01366
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 28 Spring St, Petersham, MA, 01366 in Petersham delivers $4,136/mo in gross rent and $355/mo in net monthly income at a $599,900 entry. The 8.27% yield and 1.53 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $165,741 over five years and $5,525/yr in equity from loan paydown, total projected return is $250,632.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.2% |
| Monthly Cash Flow | $355 | $450 |
City averages based on Petersham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,136 |
| Total Monthly Debt Service | $3,542 |
| DSCR Ratio | 1.17x |
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 2023
1.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01366, Petersham, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 590 (100%) |
| Owner Occupied HU | 453 (76.8%) |
| Renter Occupied HU | 65 (11.0%) |
| Vacant Housing Units | 72 (12.2%) |
| Median Home Value | $477,083 |
| Average Home Value | $546,170 |
Housing Distribution
Address Breakdown
Residential
439
Single Family
439
Multi-Family
0
Businesses
40
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 2023
1.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01366, Petersham, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 590 (100%) |
| Owner Occupied HU | 453 (76.8%) |
| Renter Occupied HU | 65 (11.0%) |
| Vacant Housing Units | 72 (12.2%) |
| Median Home Value | $477,083 |
| Average Home Value | $546,170 |
Housing Distribution
Address Breakdown
Residential
439
Single Family
439
Multi-Family
0
Businesses
40
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73489682