4 Cross StSomervilleMA02145
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 4 Cross St, Somerville, MA, 02145 in Somerville. Rental yield 6.36%. The 1.18 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $256,804 and $8,561/yr in principal reduction project total return of $292,732.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.2% |
| Monthly Cash Flow | $(935) | $1,300 |
City averages based on Somerville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,924 |
| Total Monthly Debt Service | $5,489 |
| DSCR Ratio | 0.90x |
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 1890
1,800 sqft lot
$N/A/sqft
No HOA
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 1890
1,800 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: The LIV Group • Berkshire Hathaway HomeServices Commonwealth Real Estate
Mls Name: MLS PIN
Mls ID: #73449440