39 Hawley StPlainfieldMA01070
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Plainfield rental at 39 Hawley St, Plainfield, MA, 01070 sits in the solid-income band: 9.63% gross yield, $1,003/mo rent, $215/mo net after the $562/mo debt service, DSCR 1.78. Entry price of $125,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $34,535 and $1,151/yr in principal reduction bring total cumulative return to $61,303.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $215 | $450 |
City averages based on Plainfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,003 |
| Total Monthly Debt Service | $738 |
| DSCR Ratio | 1.36x |
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 1960
7.00 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01070, Plainfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 313 (100%) |
| Owner Occupied HU | 235 (75.1%) |
| Renter Occupied HU | 29 ( 9.3%) |
| Vacant Housing Units | 49 (15.7%) |
| Median Home Value | $474,138 |
| Average Home Value | $509,723 |
Housing Distribution
Address Breakdown
Residential
242
Single Family
242
Multi-Family
0
Businesses
12
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 1960
7.00 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01070, Plainfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 313 (100%) |
| Owner Occupied HU | 235 (75.1%) |
| Renter Occupied HU | 29 ( 9.3%) |
| Vacant Housing Units | 49 (15.7%) |
| Median Home Value | $474,138 |
| Average Home Value | $509,723 |
Housing Distribution
Address Breakdown
Residential
242
Single Family
242
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Heflin • Keller Williams Realty
Mls Name: MLS PIN
Mls ID: #73477674