54 Villa Ave #2WinthropMA02152
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 54 Villa Ave #2, Winthrop, MA, 02152 in Winthrop at $879,000 earns $5,544/mo in rent and nets $4/mo after the $3,953/mo payment, a 7.57% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $242,851 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $8,096/yr in principal paydown, total projected return reaches $334,001.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $4 | $250 |
City averages based on Winthrop market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,544 |
| Total Monthly Debt Service | $5,190 |
| DSCR Ratio | 1.07x |
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.
Townhouse
Built in 2019
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02152, Winthrop, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,635 (100%) |
| Owner Occupied HU | 4,584 (53.1%) |
| Renter Occupied HU | 3,489 (40.4%) |
| Vacant Housing Units | 562 ( 6.5%) |
| Median Home Value | $676,324 |
| Average Home Value | $712,386 |
Housing Distribution
Address Breakdown
Residential
7,816
Single Family
5,693
Multi-Family
2,123
Businesses
424
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
Townhouse
Built in 2019
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02152, Winthrop, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,635 (100%) |
| Owner Occupied HU | 4,584 (53.1%) |
| Renter Occupied HU | 3,489 (40.4%) |
| Vacant Housing Units | 562 ( 6.5%) |
| Median Home Value | $676,324 |
| Average Home Value | $712,386 |
Housing Distribution
Address Breakdown
Residential
7,816
Single Family
5,693
Multi-Family
2,123
Businesses
424
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: The Reference Group • Reference Real Estate
Mls Name: MLS PIN
Mls ID: #73410073