40 Beach AveLancasterMA01523
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 40 Beach Ave, Lancaster, MA, 01523 in Lancaster hard to pass up. The 14.36% gross yield on a $199,000 purchase results in $2,381/mo in rent and $1,084/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.66). Annual cash flow of $13,003, five-year appreciation of $54,980, and $1,833/yr in equity build-up combine for a projected total cumulative return of $145,482.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.4% | 5.1% |
| Monthly Cash Flow | $1,084 | $450 |
City averages based on Lancaster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,381 |
| Total Monthly Debt Service | $1,218 |
| DSCR Ratio | 1.95x |
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 1940
6,403 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01523, Lancaster, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,834 (100%) |
| Owner Occupied HU | 2,219 (78.3%) |
| Renter Occupied HU | 461 (16.3%) |
| Vacant Housing Units | 154 ( 5.4%) |
| Median Home Value | $605,570 |
| Average Home Value | $616,922 |
Housing Distribution
Address Breakdown
Residential
2,465
Single Family
2,465
Multi-Family
0
Businesses
141
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 1940
6,403 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01523, Lancaster, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,834 (100%) |
| Owner Occupied HU | 2,219 (78.3%) |
| Renter Occupied HU | 461 (16.3%) |
| Vacant Housing Units | 154 ( 5.4%) |
| Median Home Value | $605,570 |
| Average Home Value | $616,922 |
Housing Distribution
Address Breakdown
Residential
2,465
Single Family
2,465
Multi-Family
0
Businesses
141
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices