309 Pine StTewksburyMA01876
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 309 Pine St, Tewksbury, MA, 01876 in Tewksbury fits: $1,149,500, 4.12% gross yield, and a projected 5% annual appreciation rate adding $317,586 in value within five years. Rental yield 4.12%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.76) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,587/yr in principal paydown and $317,586 in appreciation project a total return of $224,226.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 5.0% |
| Monthly Cash Flow | $(3,298) | $450 |
City averages based on Tewksbury 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 | $3,947 |
| Total Monthly Debt Service | $6,788 |
| DSCR Ratio | 0.58x |
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 2024
1.00 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01876, Tewksbury, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,917 (100%) |
| Owner Occupied HU | 9,581 (80.4%) |
| Renter Occupied HU | 1,933 (16.2%) |
| Vacant Housing Units | 403 ( 3.4%) |
| Median Home Value | $636,078 |
| Average Home Value | $672,976 |
Housing Distribution
Address Breakdown
Residential
11,954
Single Family
10,539
Multi-Family
1,415
Businesses
990
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 2024
1.00 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01876, Tewksbury, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,917 (100%) |
| Owner Occupied HU | 9,581 (80.4%) |
| Renter Occupied HU | 1,933 (16.2%) |
| Vacant Housing Units | 403 ( 3.4%) |
| Median Home Value | $636,078 |
| Average Home Value | $672,976 |
Housing Distribution
Address Breakdown
Residential
11,954
Single Family
10,539
Multi-Family
1,415
Businesses
990
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73519066