34 Ruggles Hill RdHardwickMA01037
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 34 Ruggles Hill Rd, Hardwick, MA, 01037 in Hardwick is straightforward: $459,000 in, $3,343/mo in rent, $450/mo out after debt service. The 8.74% gross yield and 1.62 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $126,813 by year five. With $4,227/yr in principal equity, the total cumulative return is projected at $203,236.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.0% |
| Monthly Cash Flow | $450 | $450 |
City averages based on Hardwick market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,343 |
| Total Monthly Debt Service | $2,710 |
| DSCR Ratio | 1.23x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1860
0.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01037, Hardwick, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 264 (100%) |
| Owner Occupied HU | 207 (78.4%) |
| Renter Occupied HU | 40 (15.2%) |
| Vacant Housing Units | 17 ( 6.4%) |
| Median Home Value | $487,857 |
| Average Home Value | $524,287 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
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 1860
0.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01037, Hardwick, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 264 (100%) |
| Owner Occupied HU | 207 (78.4%) |
| Renter Occupied HU | 40 (15.2%) |
| Vacant Housing Units | 17 ( 6.4%) |
| Median Home Value | $487,857 |
| Average Home Value | $524,287 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deborah Deschamps • Berkshire Hathaway HomeServices Realty Professionals
Mls Name: MLS PIN
Mls ID: #73394541