35 Driftwood CircleHarwichMA02645
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 35 Driftwood Circle, Harwich, MA, 02645 in Harwich at $619,000 earns $4,009/mo in rent and nets $108/mo after the $2,783/mo payment, a 7.77% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $171,018 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $5,701/yr in principal paydown, total projected return reaches $241,999.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.0% |
| Monthly Cash Flow | $108 | $600 |
City averages based on Harwich market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,009 |
| Total Monthly Debt Service | $3,655 |
| DSCR Ratio | 1.10x |
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 1972
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02645, Harwich, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,955 (100%) |
| Owner Occupied HU | 4,068 (58.5%) |
| Renter Occupied HU | 724 (10.4%) |
| Vacant Housing Units | 2,163 (31.1%) |
| Median Home Value | $680,962 |
| Average Home Value | $769,615 |
Housing Distribution
Address Breakdown
Residential
5,402
Single Family
5,235
Multi-Family
167
Businesses
312
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 1972
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02645, Harwich, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,955 (100%) |
| Owner Occupied HU | 4,068 (58.5%) |
| Renter Occupied HU | 724 (10.4%) |
| Vacant Housing Units | 2,163 (31.1%) |
| Median Home Value | $680,962 |
| Average Home Value | $769,615 |
Housing Distribution
Address Breakdown
Residential
5,402
Single Family
5,235
Multi-Family
167
Businesses
312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Loveland • Keller Williams Realty Boston-Metro
Mls Name: CCIMLS
Mls ID: #22504491