320 Washington StWinchesterMA01890
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 320 Washington St, Winchester, MA, 01890 in Winchester at $1,000,000, 4.05% gross yield, is a market-growth asset. Rental yield 4.05%. The $3,375/mo rent partially funds the $4,497/mo debt service; the core return is the 5%/yr price growth projected to add $276,282 over five years. Ziffy Mortgage's DSCR mortgage (0.75) 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: $191,250.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 5.0% |
| Monthly Cash Flow | $(2,928) | $700 |
City averages based on Winchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,375 |
| Total Monthly Debt Service | $5,905 |
| DSCR Ratio | 0.57x |
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 1850
6,438 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01890, Winchester, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,302 (100%) |
| Owner Occupied HU | 6,554 (78.9%) |
| Renter Occupied HU | 1,289 (15.5%) |
| Vacant Housing Units | 459 ( 5.5%) |
| Median Home Value | $1,305,712 |
| Average Home Value | $1,367,316 |
Housing Distribution
Address Breakdown
Residential
8,296
Single Family
7,442
Multi-Family
854
Businesses
740
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 1850
6,438 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01890, Winchester, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,302 (100%) |
| Owner Occupied HU | 6,554 (78.9%) |
| Renter Occupied HU | 1,289 (15.5%) |
| Vacant Housing Units | 459 ( 5.5%) |
| Median Home Value | $1,305,712 |
| Average Home Value | $1,367,316 |
Housing Distribution
Address Breakdown
Residential
8,296
Single Family
7,442
Multi-Family
854
Businesses
740
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John D. Conroy • East Coast Realty, Inc.
Mls Name: MLS PIN
Mls ID: #73476114