44 Franklin StSomervilleMA02145
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.79% gross rental yield, 44 Franklin St, Somerville, MA, 02145 in Somerville is priced for capital growth, not immediate cash flow. The $1,147,500 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $317,033 by year five, with $10,569/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.70) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $203,577.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.2% |
| Monthly Cash Flow | $(3,606) | $1,300 |
City averages based on Somerville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,626 |
| Total Monthly Debt Service | $6,776 |
| DSCR Ratio | 0.54x |
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.
Multi Family
Built in 1890
4,950 sqft lot
$N/A/sqft
No HOA
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
Multi Family
Built in 1890
4,950 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Krista Matthews • Lamacchia Realty, Inc.
Mls Name: MLS PIN
Mls ID: #73377845
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