41 Campbell TerPawtucketRI02860
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 41 Campbell Ter, Pawtucket, RI, 02860 in Pawtucket is capital appreciation. Rental yield 2.91%. The 2.91% gross yield at $545,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $150,573 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.54) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $63,452.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.5% |
| Monthly Cash Flow | $(2,238) | $1,200 |
City averages based on Pawtucket market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,320 |
| Total Monthly Debt Service | $3,341 |
| DSCR Ratio | 0.40x |
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 1930
5,262 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02860, Pawtucket, RI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,375 (100%) |
| Owner Occupied HU | 7,147 (31.9%) |
| Renter Occupied HU | 13,685 (61.2%) |
| Vacant Housing Units | 1,543 ( 6.9%) |
| Median Home Value | $367,412 |
| Average Home Value | $395,769 |
Housing Distribution
Address Breakdown
Residential
19,251
Single Family
14,536
Multi-Family
4,715
Businesses
1,510
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 1930
5,262 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02860, Pawtucket, RI area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,375 (100%) |
| Owner Occupied HU | 7,147 (31.9%) |
| Renter Occupied HU | 13,685 (61.2%) |
| Vacant Housing Units | 1,543 ( 6.9%) |
| Median Home Value | $367,412 |
| Average Home Value | $395,769 |
Housing Distribution
Address Breakdown
Residential
19,251
Single Family
14,536
Multi-Family
4,715
Businesses
1,510
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: StateWide MLS RI
Mls ID: #1404156