298 E Housatonic StDaltonMA01226
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 298 E Housatonic St, Dalton, MA, 01226 in Dalton at $370,000 earns $2,360/mo in rent and nets $28/mo after the $1,664/mo payment, a 7.65% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $102,224 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $3,408/yr in principal paydown, total projected return reaches $142,270.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $28 | $850 |
City averages based on Dalton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,360 |
| Total Monthly Debt Service | $2,185 |
| DSCR Ratio | 1.08x |
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 1870
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01226, Dalton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,909 (100%) |
| Owner Occupied HU | 2,020 (69.4%) |
| Renter Occupied HU | 671 (23.1%) |
| Vacant Housing Units | 218 ( 7.5%) |
| Median Home Value | $369,638 |
| Average Home Value | $414,963 |
Housing Distribution
Address Breakdown
Residential
2,804
Single Family
2,620
Multi-Family
184
Businesses
119
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 1870
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01226, Dalton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,909 (100%) |
| Owner Occupied HU | 2,020 (69.4%) |
| Renter Occupied HU | 671 (23.1%) |
| Vacant Housing Units | 218 ( 7.5%) |
| Median Home Value | $369,638 |
| Average Home Value | $414,963 |
Housing Distribution
Address Breakdown
Residential
2,804
Single Family
2,620
Multi-Family
184
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Janet Benoit • Janet L. Benoit
Mls Name: MLS PIN
Mls ID: #73416238