44 Emery LaneNorth ChathamMA02650
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 44 Emery Lane, North Chatham, MA, 02650 in North Chatham at $1,699,000, 2.68% gross yield, is a market-growth asset. Rental yield 2.68%. The $3,798/mo rent partially funds the $7,640/mo debt service; the core return is the 5%/yr price growth projected to add $469,402 over five years. Ziffy Mortgage's DSCR mortgage (0.50) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $200,391.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 5.0% |
| Monthly Cash Flow | $(6,911) | $1,200 |
City averages based on North Chatham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,798 |
| Total Monthly Debt Service | $10,033 |
| 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 1983
0.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02650, North Chatham, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 921 (100%) |
| Owner Occupied HU | 320 (34.7%) |
| Renter Occupied HU | 88 ( 9.6%) |
| Vacant Housing Units | 513 (55.7%) |
| Median Home Value | $1,325,581 |
| Average Home Value | $1,408,336 |
Housing Distribution
Address Breakdown
Residential
690
Single Family
688
Multi-Family
2
Businesses
61
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 1983
0.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02650, North Chatham, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 921 (100%) |
| Owner Occupied HU | 320 (34.7%) |
| Renter Occupied HU | 88 ( 9.6%) |
| Vacant Housing Units | 513 (55.7%) |
| Median Home Value | $1,325,581 |
| Average Home Value | $1,408,336 |
Housing Distribution
Address Breakdown
Residential
690
Single Family
688
Multi-Family
2
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathleen Phelan • Compass Massachusetts, LLC
Mls Name: CCIMLS
Mls ID: #22504381