45 State Line RdWest StockbridgeMA01266
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow45 State Line Rd, West Stockbridge, MA, 01266 in West Stockbridge earns its strong cash-flow label: 10.9% yield, $4,288/mo rent, $1,313/mo net income, DSCR 2.02. The $472,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $130,405 by year five. Combined with $4,347/yr in principal paydown, total projected return reaches $263,760.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.0% |
| Monthly Cash Flow | $1,313 | $350 |
City averages based on West Stockbridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,288 |
| Total Monthly Debt Service | $2,787 |
| DSCR Ratio | 1.54x |
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 1880
2.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01266, West Stockbridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,133 (100%) |
| Owner Occupied HU | 641 (56.6%) |
| Renter Occupied HU | 111 ( 9.8%) |
| Vacant Housing Units | 381 (33.6%) |
| Median Home Value | $600,862 |
| Average Home Value | $736,544 |
Housing Distribution
Address Breakdown
Residential
497
Single Family
497
Multi-Family
0
Businesses
74
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 1880
2.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01266, West Stockbridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,133 (100%) |
| Owner Occupied HU | 641 (56.6%) |
| Renter Occupied HU | 111 ( 9.8%) |
| Vacant Housing Units | 381 (33.6%) |
| Median Home Value | $600,862 |
| Average Home Value | $736,544 |
Housing Distribution
Address Breakdown
Residential
497
Single Family
497
Multi-Family
0
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carrie Swift Heck • COMPASS MASSACHUSETTS , LLC GB
Mls Name: BCMLS
Mls Provider:
Mls ID: #246367
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