45 Lens StSouthbridgeMA01550
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 45 Lens St, Southbridge, MA, 01550 in Southbridge speaks for itself: 10.53% gross on a $340,000 price, generating $2,984/mo in rent and $841/mo in net income after the $1,529/mo debt service. DSCR 1.95, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,097 stacks alongside $93,936 in projected five-year appreciation and $3,131/yr in principal reduction. Projected total cumulative return: $183,239.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $841 | $1,200 |
City averages based on Southbridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,984 |
| Total Monthly Debt Service | $2,008 |
| DSCR Ratio | 1.49x |
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 1900
4,792 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01550, Southbridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,117 (100%) |
| Owner Occupied HU | 3,495 (43.1%) |
| Renter Occupied HU | 4,198 (51.7%) |
| Vacant Housing Units | 424 ( 5.2%) |
| Median Home Value | $321,267 |
| Average Home Value | $409,633 |
Housing Distribution
Address Breakdown
Residential
7,286
Single Family
6,346
Multi-Family
940
Businesses
478
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 1900
4,792 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01550, Southbridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,117 (100%) |
| Owner Occupied HU | 3,495 (43.1%) |
| Renter Occupied HU | 4,198 (51.7%) |
| Vacant Housing Units | 424 ( 5.2%) |
| Median Home Value | $321,267 |
| Average Home Value | $409,633 |
Housing Distribution
Address Breakdown
Residential
7,286
Single Family
6,346
Multi-Family
940
Businesses
478
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kaitlyn Flynn • The Neighborhood Realty Group
Mls Name: MLS PIN
Mls ID: #73438358