54 Birchwood StWest RoxburyMA02132
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.69% yield at 54 Birchwood St, West Roxbury, MA, 02132 in West Roxbury is solid, but the $4,946/mo payment compresses net cash flow to $120/mo at $1,099,900. 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 $303,882 by year five, and $10,130/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.43) without U.S. income documentation. Total projected return: $425,270.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.2% |
| Monthly Cash Flow | $120 | $650 |
City averages based on West Roxbury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,052 |
| Total Monthly Debt Service | $6,495 |
| DSCR Ratio | 1.09x |
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 2020
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02132, West Roxbury, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,035 (100%) |
| Owner Occupied HU | 7,771 (64.6%) |
| Renter Occupied HU | 3,610 (30.0%) |
| Vacant Housing Units | 654 ( 5.4%) |
| Median Home Value | $764,136 |
| Average Home Value | $804,012 |
Housing Distribution
Address Breakdown
Residential
11,861
Single Family
9,173
Multi-Family
2,688
Businesses
655
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 2020
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02132, West Roxbury, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,035 (100%) |
| Owner Occupied HU | 7,771 (64.6%) |
| Renter Occupied HU | 3,610 (30.0%) |
| Vacant Housing Units | 654 ( 5.4%) |
| Median Home Value | $764,136 |
| Average Home Value | $804,012 |
Housing Distribution
Address Breakdown
Residential
11,861
Single Family
9,173
Multi-Family
2,688
Businesses
655
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices