307 Upper Church StGilbertvilleMA01031
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 307 Upper Church St, Gilbertville, MA, 01031 in Gilbertville. At $650,000 it earns $4,301/mo in rent and distributes $204/mo to the owner after the $3,081/mo payment, a consistent 7.94% yield. DSCR 1.40 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $179,583 in value; $5,449/yr in principal paydown compounds ownership stake. Total projected return: $247,738.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.5% |
| Monthly Cash Flow | $204 | $1,200 |
City averages based on Gilbertville market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,301 |
| Total Monthly Debt Service | $3,997 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1860
53.20 Acres lot
$N/A/sqft
No HOA
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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
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Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73580274
