464 Main RdGillMA01354
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 464 Main Rd, Gill, MA, 01354 in Gill. At $369,900 it earns $2,555/mo in rent and distributes $224/mo to the owner after the $1,663/mo payment, a consistent 8.29% yield. DSCR 1.54 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $102,197 in value; $3,407/yr in principal paydown compounds ownership stake. Total projected return: $154,898.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $224 | $500 |
City averages based on Gill market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,555 |
| Total Monthly Debt Service | $2,184 |
| DSCR Ratio | 1.17x |
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 1894
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01354, Northfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 706 (100%) |
| Owner Occupied HU | 482 (68.3%) |
| Renter Occupied HU | 134 (19.0%) |
| Vacant Housing Units | 90 (12.7%) |
| Median Home Value | $385,143 |
| Average Home Value | $429,035 |
Housing Distribution
Address Breakdown
Residential
594
Single Family
594
Multi-Family
0
Businesses
32
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 1894
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01354, Northfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 706 (100%) |
| Owner Occupied HU | 482 (68.3%) |
| Renter Occupied HU | 134 (19.0%) |
| Vacant Housing Units | 90 (12.7%) |
| Median Home Value | $385,143 |
| Average Home Value | $429,035 |
Housing Distribution
Address Breakdown
Residential
594
Single Family
594
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73504915