5 Silver Mine LnWest StockbridgeMA01266
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 5 Silver Mine Ln, West Stockbridge, MA, 01266 in West Stockbridge the bet is firmly on appreciation. Rental yield 4.65%. The 4.65% gross yield on a $1,600,000 price is below income-first thresholds, but 5%/yr value growth projects $442,051 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.86) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $357,098.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.0% |
| Monthly Cash Flow | $(3,890) | $350 |
City averages based on West Stockbridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,194 |
| Total Monthly Debt Service | $9,448 |
| DSCR Ratio | 0.66x |
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.
Single Family
Built in 2005
1.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01266, West Stockbridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,133 (100%) |
| Owner Occupied HU | 641 (56.6%) |
| Renter Occupied HU | 111 ( 9.8%) |
| Vacant Housing Units | 381 (33.6%) |
| Median Home Value | $600,862 |
| Average Home Value | $736,544 |
Housing Distribution
Address Breakdown
Residential
497
Single Family
497
Multi-Family
0
Businesses
74
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 2005
1.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01266, West Stockbridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,133 (100%) |
| Owner Occupied HU | 641 (56.6%) |
| Renter Occupied HU | 111 ( 9.8%) |
| Vacant Housing Units | 381 (33.6%) |
| Median Home Value | $600,862 |
| Average Home Value | $736,544 |
Housing Distribution
Address Breakdown
Residential
497
Single Family
497
Multi-Family
0
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: George Cain • WILLIAM PITT SOTHEBY'S - GT BARRINGTON
Mls Name: BCMLS
Mls Provider:
Mls ID: #247270
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