55 Stratham StLowellMA01852
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 55 Stratham St, Lowell, MA, 01852 in Lowell: $3,563/mo in rent, $475/mo in net income, 8.73% gross yield, 1.62 DSCR, all at $489,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $135,350 in appreciation and $4,512/yr in principal paydown projects total cumulative return of $216,634.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.1% |
| Monthly Cash Flow | $475 | $420 |
City averages based on Lowell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,563 |
| Total Monthly Debt Service | $2,893 |
| DSCR Ratio | 1.23x |
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 1840
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01852, Lowell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,854 (100%) |
| Owner Occupied HU | 6,449 (40.7%) |
| Renter Occupied HU | 8,567 (54.0%) |
| Vacant Housing Units | 838 ( 5.3%) |
| Median Home Value | $469,145 |
| Average Home Value | $555,537 |
Housing Distribution
Address Breakdown
Residential
14,988
Single Family
9,393
Multi-Family
5,595
Businesses
1,225
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 1840
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01852, Lowell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,854 (100%) |
| Owner Occupied HU | 6,449 (40.7%) |
| Renter Occupied HU | 8,567 (54.0%) |
| Vacant Housing Units | 838 ( 5.3%) |
| Median Home Value | $469,145 |
| Average Home Value | $555,537 |
Housing Distribution
Address Breakdown
Residential
14,988
Single Family
9,393
Multi-Family
5,595
Businesses
1,225
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patricia Nunez • Redfin Corp.
Mls Name: MLS PIN
Mls ID: #73428925