48 Heather CirJeffersonMA01522
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.1% yield at 48 Heather Cir, Jefferson, MA, 01522 in Jefferson is solid, but the $2,421/mo payment compresses net cash flow to $127/mo at $538,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $148,778 by year five, and $4,960/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $213,153.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.2% |
| Monthly Cash Flow | $127 | $900 |
City averages based on Jefferson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,634 |
| Total Monthly Debt Service | $3,292 |
| DSCR Ratio | 1.10x |
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 1981
1.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01522, Jefferson, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,381 (100%) |
| Owner Occupied HU | 1,185 (85.8%) |
| Renter Occupied HU | 151 (10.9%) |
| Vacant Housing Units | 45 ( 3.3%) |
| Median Home Value | $513,475 |
| Average Home Value | $601,004 |
Housing Distribution
Address Breakdown
Residential
1,300
Single Family
1,247
Multi-Family
53
Businesses
47
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 1981
1.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01522, Jefferson, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,381 (100%) |
| Owner Occupied HU | 1,185 (85.8%) |
| Renter Occupied HU | 151 (10.9%) |
| Vacant Housing Units | 45 ( 3.3%) |
| Median Home Value | $513,475 |
| Average Home Value | $601,004 |
Housing Distribution
Address Breakdown
Residential
1,300
Single Family
1,247
Multi-Family
53
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices