289 Bailey RdHoldenMA01520
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Holden rental at 289 Bailey Rd, Holden, MA, 01520 sits in the solid-income band: 8.11% gross yield, $3,581/mo rent, $241/mo net after the $2,383/mo debt service, DSCR 1.50. Entry price of $529,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $146,402 and $4,880/yr in principal reduction bring total cumulative return to $216,689.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 4.5% |
| Monthly Cash Flow | $241 | $1,200 |
City averages based on Holden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,581 |
| Total Monthly Debt Service | $3,129 |
| 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.
Single Family
Built in 1973
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01520, Holden, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,273 (100%) |
| Owner Occupied HU | 5,383 (85.8%) |
| Renter Occupied HU | 770 (12.3%) |
| Vacant Housing Units | 120 ( 1.9%) |
| Median Home Value | $577,093 |
| Average Home Value | $591,793 |
Housing Distribution
Address Breakdown
Residential
6,086
Single Family
5,642
Multi-Family
444
Businesses
381
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 1973
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01520, Holden, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,273 (100%) |
| Owner Occupied HU | 5,383 (85.8%) |
| Renter Occupied HU | 770 (12.3%) |
| Vacant Housing Units | 120 ( 1.9%) |
| Median Home Value | $577,093 |
| Average Home Value | $591,793 |
Housing Distribution
Address Breakdown
Residential
6,086
Single Family
5,642
Multi-Family
444
Businesses
381
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karen Russo • Coldwell Banker Realty - Worcester
Mls Name: MLS PIN
Mls ID: #73453569