4 Essex StHollandMA01521
INVESTMENT ANALYSIS
Investment Verdict
Solid Income4 Essex St, Holland, MA, 01521 in Holland is a solid income-producing rental, 8.49% gross yield, $1,980/mo rent, $216/mo net cash flow on a $279,900 buy. DSCR 1.57 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $77,331 and $2,578/yr in principal reduction project a total cumulative return of $120,136.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.1% |
| Monthly Cash Flow | $216 | $550 |
City averages based on Holland market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $1,653 |
| DSCR Ratio | 1.20x |
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 1945
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01521, Holland, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,469 (100%) |
| Owner Occupied HU | 1,031 (70.2%) |
| Renter Occupied HU | 115 ( 7.8%) |
| Vacant Housing Units | 323 (22.0%) |
| Median Home Value | $390,433 |
| Average Home Value | $522,609 |
Housing Distribution
Address Breakdown
Residential
1,253
Single Family
1,252
Multi-Family
1
Businesses
14
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 1945
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01521, Holland, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,469 (100%) |
| Owner Occupied HU | 1,031 (70.2%) |
| Renter Occupied HU | 115 ( 7.8%) |
| Vacant Housing Units | 323 (22.0%) |
| Median Home Value | $390,433 |
| Average Home Value | $522,609 |
Housing Distribution
Address Breakdown
Residential
1,253
Single Family
1,252
Multi-Family
1
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73545531