28 State StPittsfieldMA01201
INVESTMENT ANALYSIS
Investment Verdict
Solid Income28 State St, Pittsfield, MA, 01201 in Pittsfield is a solid income-producing rental, 9.57% gross yield, $2,550/mo rent, $534/mo net cash flow on a $319,900 buy. DSCR 1.77 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $88,382 and $2,946/yr in principal reduction project a total cumulative return of $155,855.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.8% |
| Monthly Cash Flow | $534 | $450 |
City averages based on Pittsfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,550 |
| Total Monthly Debt Service | $1,889 |
| DSCR Ratio | 1.35x |
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 1959
7,405 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 1959
7,405 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: Nick Geranios • WILLIAM PITT SOTHEBY'S - LENOX
Mls Name: BCMLS
Mls Provider:
Mls ID: #246115
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