35 Ludlow RdSouth HadleyMA01075
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 35 Ludlow Rd, South Hadley, MA, 01075 in South Hadley: $2,616/mo in rent, $637/mo net, 10% gross yield, all on a $314,000 acquisition. The 1.85 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $86,752 in value, and $2,892/yr in principal paydown steadily builds equity. Projected total cumulative return: $160,205.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 5.2% |
| Monthly Cash Flow | $637 | $350 |
City averages based on South Hadley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,616 |
| Total Monthly Debt Service | $1,854 |
| DSCR Ratio | 1.41x |
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 1970
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01075, South Hadley, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,562 (100%) |
| Owner Occupied HU | 5,395 (71.3%) |
| Renter Occupied HU | 1,814 (24.0%) |
| Vacant Housing Units | 353 ( 4.7%) |
| Median Home Value | $394,079 |
| Average Home Value | $438,698 |
Housing Distribution
Address Breakdown
Residential
7,165
Single Family
6,544
Multi-Family
621
Businesses
448
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 1970
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01075, South Hadley, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,562 (100%) |
| Owner Occupied HU | 5,395 (71.3%) |
| Renter Occupied HU | 1,814 (24.0%) |
| Vacant Housing Units | 353 ( 4.7%) |
| Median Home Value | $394,079 |
| Average Home Value | $438,698 |
Housing Distribution
Address Breakdown
Residential
7,165
Single Family
6,544
Multi-Family
621
Businesses
448
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amanda Bradshaw • Lock and Key Realty Inc.
Mls Name: MLS PIN
Mls ID: #73449383