527 Franklin StCambridgeMA02139
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 527 Franklin St, Cambridge, MA, 02139 in Cambridge worth study. Rental yield 5.46%. The 5.46% gross yield is below cash-flow benchmarks at $1,348,000, but 5% annual appreciation, adding $372,428 over five years, frames this as a capital growth position. Rent of $6,136/mo partially offsets the $6,061/mo payment. Ziffy Mortgage finances appreciation-play properties (1.01 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $359,956.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 5.5% |
| Monthly Cash Flow | $(2,361) | $1,200 |
City averages based on Cambridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,136 |
| Total Monthly Debt Service | $7,960 |
| DSCR Ratio | 0.77x |
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 1873
1,408 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02139, Cambridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,981 (100%) |
| Owner Occupied HU | 4,615 (27.2%) |
| Renter Occupied HU | 11,270 (66.4%) |
| Vacant Housing Units | 1,096 ( 6.5%) |
| Median Home Value | $1,225,449 |
| Average Home Value | $1,311,567 |
Housing Distribution
Address Breakdown
Residential
15,576
Single Family
6,039
Multi-Family
9,537
Businesses
1,538
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 1873
1,408 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02139, Cambridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,981 (100%) |
| Owner Occupied HU | 4,615 (27.2%) |
| Renter Occupied HU | 11,270 (66.4%) |
| Vacant Housing Units | 1,096 ( 6.5%) |
| Median Home Value | $1,225,449 |
| Average Home Value | $1,311,567 |
Housing Distribution
Address Breakdown
Residential
15,576
Single Family
6,039
Multi-Family
9,537
Businesses
1,538
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Team Suzanne and Company • Compass
Mls Name: MLS PIN
Mls ID: #73474337