32 Harvard St #2WalthamMA02453
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 32 Harvard St #2, Waltham, MA, 02453 in Waltham offers a clean, manageable entry. Rental yield 6.42%. DSCR 1.19 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $186,462 in additional property value over five years, with $6,216/yr in principal equity building ownership stake. Total projected cumulative return: $214,816.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.0% |
| Monthly Cash Flow | $(644) | $1,200 |
City averages based on Waltham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,610 |
| Total Monthly Debt Service | $3,985 |
| DSCR Ratio | 0.91x |
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.
Townhouse
Built in 1900
N/A lot
$N/A/sqft
No HOA
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
Townhouse
Built in 1900
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carmen Maianu • Leading Edge Real Estate
Mls Name: MLS PIN
Mls ID: #73408480