280 Ware RdBelchertownMA01007
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 280 Ware Rd, Belchertown, MA, 01007 in Belchertown is narrow, $118/mo net on $1,725/mo rent after the $1,147/mo debt service, but the property operates at break-even-plus, not a loss. At $255,000 with a 8.12% yield, the long-run equity case via 5% appreciation ($70,452 over five years) and $2,349/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $104,375.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.2% |
| Monthly Cash Flow | $118 | $450 |
City averages based on Belchertown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,725 |
| Total Monthly Debt Service | $1,506 |
| DSCR Ratio | 1.15x |
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 1940
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01007, Belchertown, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,421 (100%) |
| Owner Occupied HU | 5,108 (79.6%) |
| Renter Occupied HU | 1,048 (16.3%) |
| Vacant Housing Units | 265 ( 4.1%) |
| Median Home Value | $396,918 |
| Average Home Value | $434,135 |
Housing Distribution
Address Breakdown
Residential
6,150
Single Family
5,345
Multi-Family
805
Businesses
333
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 1940
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01007, Belchertown, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,421 (100%) |
| Owner Occupied HU | 5,108 (79.6%) |
| Renter Occupied HU | 1,048 (16.3%) |
| Vacant Housing Units | 265 ( 4.1%) |
| Median Home Value | $396,918 |
| Average Home Value | $434,135 |
Housing Distribution
Address Breakdown
Residential
6,150
Single Family
5,345
Multi-Family
805
Businesses
333
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73494745