33-37 Cottage StAmherstMA01002
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 33-37 Cottage St, Amherst, MA, 01002 in Amherst. At $895,000 it earns $5,954/mo in rent and distributes $313/mo to the owner after the $4,243/mo payment, a consistent 7.98% yield. DSCR 1.40 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $247,272 in value; $7,503/yr in principal paydown compounds ownership stake. Total projected return: $343,102.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 7.8% |
| Monthly Cash Flow | $313 | $350 |
City averages based on Amherst 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 | $5,954 |
| Total Monthly Debt Service | $5,503 |
| 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.
Multi Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01002, Amherst, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,930 (100%) |
| Owner Occupied HU | 5,081 (42.6%) |
| Renter Occupied HU | 5,724 (48.0%) |
| Vacant Housing Units | 1,125 ( 9.4%) |
| Median Home Value | $536,411 |
| Average Home Value | $576,683 |
Housing Distribution
Address Breakdown
Residential
10,921
Single Family
8,546
Multi-Family
2,375
Businesses
715
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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: #73543563
