38 River Rd #11PepperellMA01463
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 38 River Rd #11, Pepperell, MA, 01463 in Pepperell delivers $1,179/mo in gross rent and $202/mo in net monthly income at a $155,000 entry. The 9.13% yield and 1.69 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $42,824 over five years and $1,428/yr in equity from loan paydown, total projected return is $71,862.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.0% |
| Monthly Cash Flow | $202 | $400 |
City averages based on Pepperell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,179 |
| Total Monthly Debt Service | $915 |
| DSCR Ratio | 1.29x |
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.
Manufactured
Built in 1992
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01463, Pepperell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,625 (100%) |
| Owner Occupied HU | 3,587 (77.6%) |
| Renter Occupied HU | 873 (18.9%) |
| Vacant Housing Units | 165 ( 3.6%) |
| Median Home Value | $568,679 |
| Average Home Value | $614,902 |
Housing Distribution
Address Breakdown
Residential
4,402
Single Family
4,339
Multi-Family
63
Businesses
272
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
Manufactured
Built in 1992
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01463, Pepperell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,625 (100%) |
| Owner Occupied HU | 3,587 (77.6%) |
| Renter Occupied HU | 873 (18.9%) |
| Vacant Housing Units | 165 ( 3.6%) |
| Median Home Value | $568,679 |
| Average Home Value | $614,902 |
Housing Distribution
Address Breakdown
Residential
4,402
Single Family
4,339
Multi-Family
63
Businesses
272
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sandra Buker • Keller Williams Realty-Merrimack
Mls Name: MLS PIN
Mls ID: #73441512