305 Harwood AveLittletonMA01460
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 305 Harwood Ave, Littleton, MA, 01460 in Littleton at $1,700,000, 3.98% gross yield, is a market-growth asset. Rental yield 3.98%. The $5,640/mo rent partially funds the $7,644/mo debt service; the core return is the 5%/yr price growth projected to add $469,679 over five years. Ziffy Mortgage's DSCR mortgage (0.74) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $318,884.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 5.2% |
| Monthly Cash Flow | $(5,075) | $350 |
City averages based on Littleton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,640 |
| Total Monthly Debt Service | $10,038 |
| DSCR Ratio | 0.56x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2025
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01460, Littleton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,915 (100%) |
| Owner Occupied HU | 3,169 (80.9%) |
| Renter Occupied HU | 611 (15.6%) |
| Vacant Housing Units | 135 ( 3.4%) |
| Median Home Value | $728,849 |
| Average Home Value | $750,992 |
Housing Distribution
Address Breakdown
Residential
3,878
Single Family
3,671
Multi-Family
207
Businesses
500
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 2025
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01460, Littleton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,915 (100%) |
| Owner Occupied HU | 3,169 (80.9%) |
| Renter Occupied HU | 611 (15.6%) |
| Vacant Housing Units | 135 ( 3.4%) |
| Median Home Value | $728,849 |
| Average Home Value | $750,992 |
Housing Distribution
Address Breakdown
Residential
3,878
Single Family
3,671
Multi-Family
207
Businesses
500
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Touchstone Partners Team • Keller Williams Realty-Merrimack
Mls Name: MLS PIN
Mls ID: #73457810