39 Mill RdDudleyMA01571
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 39 Mill Rd, Dudley, MA, 01571 in Dudley fits: $499,900, 5.41% gross yield, and a projected 5% annual appreciation rate adding $138,113 in value within five years. Rental yield 5.41%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.00) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,604/yr in principal paydown and $138,113 in appreciation project a total return of $132,090.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 5.5% |
| Monthly Cash Flow | $(897) | $800 |
City averages based on Dudley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,254 |
| Total Monthly Debt Service | $2,952 |
| DSCR Ratio | 0.76x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1903
1.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01571, Dudley, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,737 (100%) |
| Owner Occupied HU | 3,357 (70.9%) |
| Renter Occupied HU | 1,121 (23.7%) |
| Vacant Housing Units | 259 ( 5.5%) |
| Median Home Value | $456,137 |
| Average Home Value | $509,931 |
Housing Distribution
Address Breakdown
Residential
4,408
Single Family
4,183
Multi-Family
225
Businesses
173
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
Multi Family
Built in 1903
1.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01571, Dudley, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,737 (100%) |
| Owner Occupied HU | 3,357 (70.9%) |
| Renter Occupied HU | 1,121 (23.7%) |
| Vacant Housing Units | 259 ( 5.5%) |
| Median Home Value | $456,137 |
| Average Home Value | $509,931 |
Housing Distribution
Address Breakdown
Residential
4,408
Single Family
4,183
Multi-Family
225
Businesses
173
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices