46 Bigelow St APT 3CambridgeMA02139
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 46 Bigelow St APT 3, Cambridge, MA, 02139 in Cambridge. Rental yield 4.78%. At $1,233,600 with 4.78% gross yield, current distributions are modest, but the 5% appreciation rate projects $340,821 in new equity by year five, complemented by $11,362/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.89) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $266,194.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 5.5% |
| Monthly Cash Flow | $(3,162) | $1,200 |
City averages based on Cambridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,913 |
| Total Monthly Debt Service | $7,584 |
| DSCR Ratio | 0.65x |
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.
Condo
Built in 1871
N/A lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02139, Cambridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,981 (100%) |
| Owner Occupied HU | 4,615 (27.2%) |
| Renter Occupied HU | 11,270 (66.4%) |
| Vacant Housing Units | 1,096 ( 6.5%) |
| Median Home Value | $1,225,449 |
| Average Home Value | $1,311,567 |
Housing Distribution
Address Breakdown
Residential
15,576
Single Family
6,039
Multi-Family
9,537
Businesses
1,538
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
Condo
Built in 1871
N/A lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02139, Cambridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,981 (100%) |
| Owner Occupied HU | 4,615 (27.2%) |
| Renter Occupied HU | 11,270 (66.4%) |
| Vacant Housing Units | 1,096 ( 6.5%) |
| Median Home Value | $1,225,449 |
| Average Home Value | $1,311,567 |
Housing Distribution
Address Breakdown
Residential
15,576
Single Family
6,039
Multi-Family
9,537
Businesses
1,538
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A