490 Kirchner RdDaltonMA01226
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 490 Kirchner Rd, Dalton, MA, 01226 in Dalton: $3,944/mo in rent, $415/mo in net income, 8.45% gross yield, 1.57 DSCR, all at $560,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $154,718 in appreciation and $5,158/yr in principal paydown projects total cumulative return of $239,329.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.0% |
| Monthly Cash Flow | $415 | $850 |
City averages based on Dalton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,944 |
| Total Monthly Debt Service | $3,307 |
| DSCR Ratio | 1.19x |
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 1969
5.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01226, Dalton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,909 (100%) |
| Owner Occupied HU | 2,020 (69.4%) |
| Renter Occupied HU | 671 (23.1%) |
| Vacant Housing Units | 218 ( 7.5%) |
| Median Home Value | $369,638 |
| Average Home Value | $414,963 |
Housing Distribution
Address Breakdown
Residential
2,804
Single Family
2,620
Multi-Family
184
Businesses
119
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 1969
5.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01226, Dalton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,909 (100%) |
| Owner Occupied HU | 2,020 (69.4%) |
| Renter Occupied HU | 671 (23.1%) |
| Vacant Housing Units | 218 ( 7.5%) |
| Median Home Value | $369,638 |
| Average Home Value | $414,963 |
Housing Distribution
Address Breakdown
Residential
2,804
Single Family
2,620
Multi-Family
184
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debra A Goddeau • ASHMERE REALTY, INC.
Mls Name: BCMLS
Mls ID: #248027