53 Montvale St #3RoslindaleMA02131
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 53 Montvale St #3, Roslindale, MA, 02131 in Roslindale is narrow, $123/mo net on $3,965/mo rent after the $2,581/mo debt service, but the property operates at break-even-plus, not a loss. At $574,000 with a 8.29% yield, the long-run equity case via 5% appreciation ($158,586 over five years) and $5,287/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.54 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $226,851.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.0% |
| Monthly Cash Flow | $123 | $1,200 |
City averages based on Roslindale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,965 |
| Total Monthly Debt Service | $3,613 |
| 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.
Condo
Built in 1900
1,306 sqft lot
$N/A/sqft
$224 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02131, Roslindale, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,689 (100%) |
| Owner Occupied HU | 6,509 (51.3%) |
| Renter Occupied HU | 5,417 (42.7%) |
| Vacant Housing Units | 763 ( 6.0%) |
| Median Home Value | $673,929 |
| Average Home Value | $736,627 |
Housing Distribution
Address Breakdown
Residential
11,926
Single Family
9,333
Multi-Family
2,593
Businesses
583
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
Condo
Built in 1900
1,306 sqft lot
$N/A/sqft
$224 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02131, Roslindale, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,689 (100%) |
| Owner Occupied HU | 6,509 (51.3%) |
| Renter Occupied HU | 5,417 (42.7%) |
| Vacant Housing Units | 763 ( 6.0%) |
| Median Home Value | $673,929 |
| Average Home Value | $736,627 |
Housing Distribution
Address Breakdown
Residential
11,926
Single Family
9,333
Multi-Family
2,593
Businesses
583
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices