36 Kalmia RdHolbrookMA02343
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 36 Kalmia Rd, Holbrook, MA, 02343 in Holbrook. At $659,000 it earns $4,985/mo in rent and distributes $831/mo to the owner after the $2,963/mo payment, a consistent 9.08% yield. DSCR 1.68 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $182,070 in value; $6,069/yr in principal paydown compounds ownership stake. Total projected return: $303,710.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.5% |
| Monthly Cash Flow | $831 | $800 |
City averages based on Holbrook market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,985 |
| Total Monthly Debt Service | $3,891 |
| DSCR Ratio | 1.28x |
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 1980
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02343, Holbrook, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,425 (100%) |
| Owner Occupied HU | 3,292 (74.4%) |
| Renter Occupied HU | 998 (22.6%) |
| Vacant Housing Units | 135 ( 3.1%) |
| Median Home Value | $538,022 |
| Average Home Value | $548,944 |
Housing Distribution
Address Breakdown
Residential
4,284
Single Family
3,877
Multi-Family
407
Businesses
337
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 1980
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02343, Holbrook, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,425 (100%) |
| Owner Occupied HU | 3,292 (74.4%) |
| Renter Occupied HU | 998 (22.6%) |
| Vacant Housing Units | 135 ( 3.1%) |
| Median Home Value | $538,022 |
| Average Home Value | $548,944 |
Housing Distribution
Address Breakdown
Residential
4,284
Single Family
3,877
Multi-Family
407
Businesses
337
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73491108