47 Charles St #4HaverhillMA01830
INVESTMENT ANALYSIS
Investment Verdict
Solid Income47 Charles St #4, Haverhill, MA, 01830 in Haverhill is a solid income-producing rental, 9.22% gross yield, $2,880/mo rent, $517/mo net cash flow on a $374,900 buy. DSCR 1.71 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $103,578 and $3,453/yr in principal reduction project a total cumulative return of $175,655.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.8% |
| Monthly Cash Flow | $517 | $450 |
City averages based on Haverhill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,880 |
| Total Monthly Debt Service | $2,214 |
| DSCR Ratio | 1.30x |
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.
Townhouse
Built in 2016
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01830, Haverhill, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,848 (100%) |
| Owner Occupied HU | 6,226 (52.5%) |
| Renter Occupied HU | 5,023 (42.4%) |
| Vacant Housing Units | 599 ( 5.1%) |
| Median Home Value | $519,644 |
| Average Home Value | $590,817 |
Housing Distribution
Address Breakdown
Residential
10,929
Single Family
8,499
Multi-Family
2,430
Businesses
669
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
Townhouse
Built in 2016
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01830, Haverhill, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,848 (100%) |
| Owner Occupied HU | 6,226 (52.5%) |
| Renter Occupied HU | 5,023 (42.4%) |
| Vacant Housing Units | 599 ( 5.1%) |
| Median Home Value | $519,644 |
| Average Home Value | $590,817 |
Housing Distribution
Address Breakdown
Residential
10,929
Single Family
8,499
Multi-Family
2,430
Businesses
669
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Adeline Matton • Aluxety
Mls Name: MLS PIN
Mls ID: #73421902