4 Gadsden LnNewburyMA01951
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 4 Gadsden Ln, Newbury, MA, 01951 in Newbury the bet is firmly on appreciation. Rental yield 2.68%. The 2.68% gross yield on a $1,995,000 price is below income-first thresholds, but 5%/yr value growth projects $551,182 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.50) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $235,250.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 5.1% |
| Monthly Cash Flow | $(8,115) | $1,200 |
City averages based on Newbury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,459 |
| Total Monthly Debt Service | $11,780 |
| DSCR Ratio | 0.38x |
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.
Single Family
Built in 2022
1.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01951, Newbury, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,919 (100%) |
| Owner Occupied HU | 1,337 (69.7%) |
| Renter Occupied HU | 258 (13.4%) |
| Vacant Housing Units | 324 (16.9%) |
| Median Home Value | $849,963 |
| Average Home Value | $894,260 |
Housing Distribution
Address Breakdown
Residential
1,865
Single Family
1,809
Multi-Family
56
Businesses
73
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 2022
1.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01951, Newbury, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,919 (100%) |
| Owner Occupied HU | 1,337 (69.7%) |
| Renter Occupied HU | 258 (13.4%) |
| Vacant Housing Units | 324 (16.9%) |
| Median Home Value | $849,963 |
| Average Home Value | $894,260 |
Housing Distribution
Address Breakdown
Residential
1,865
Single Family
1,809
Multi-Family
56
Businesses
73
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elizabeth Smith • Keller Williams Realty Evolution
Mls Name: MLS PIN
Mls ID: #73473889