329 Beech StHolyokeMA01040
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 329 Beech St, Holyoke, MA, 01040 in Holyoke at $1,380,000, 1.58% gross yield, is a market-growth asset. Rental yield 1.58%. The $1,820/mo rent partially funds the $6,205/mo debt service; the core return is the 5%/yr price growth projected to add $381,269 over five years. Ziffy Mortgage's DSCR mortgage (0.29) 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: $81,396.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 7.0% |
| Monthly Cash Flow | $(6,878) | $850 |
City averages based on Holyoke market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,820 |
| Total Monthly Debt Service | $8,149 |
| DSCR Ratio | 0.22x |
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.
Multi Family
Built in 1900
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01040, Holyoke, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,038 (100%) |
| Owner Occupied HU | 6,491 (38.1%) |
| Renter Occupied HU | 9,211 (54.1%) |
| Vacant Housing Units | 1,336 ( 7.8%) |
| Median Home Value | $316,021 |
| Average Home Value | $346,037 |
Housing Distribution
Address Breakdown
Residential
15,801
Single Family
11,173
Multi-Family
4,628
Businesses
1,214
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
Multi Family
Built in 1900
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01040, Holyoke, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,038 (100%) |
| Owner Occupied HU | 6,491 (38.1%) |
| Renter Occupied HU | 9,211 (54.1%) |
| Vacant Housing Units | 1,336 ( 7.8%) |
| Median Home Value | $316,021 |
| Average Home Value | $346,037 |
Housing Distribution
Address Breakdown
Residential
15,801
Single Family
11,173
Multi-Family
4,628
Businesses
1,214
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brian Fitzgerald • Fitzgerald And Co., Inc.
Mls Name: MLS PIN
Mls ID: #73443385