555 Highland AvePhillipstonMA01331
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 555 Highland Ave, Phillipston, MA, 01331 in Phillipston at $298,000 earns $2,002/mo in rent and nets $124/mo after the $1,340/mo payment, a 8.06% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $82,332 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $2,745/yr in principal paydown, total projected return reaches $121,147.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $124 | $450 |
City averages based on Phillipston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,002 |
| Total Monthly Debt Service | $1,760 |
| DSCR Ratio | 1.14x |
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 1820
2.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01331, Athol, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,173 (100%) |
| Owner Occupied HU | 4,237 (68.6%) |
| Renter Occupied HU | 1,445 (23.4%) |
| Vacant Housing Units | 491 ( 8.0%) |
| Median Home Value | $361,565 |
| Average Home Value | $432,564 |
Housing Distribution
Address Breakdown
Residential
5,799
Single Family
5,598
Multi-Family
201
Businesses
325
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 1820
2.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01331, Athol, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,173 (100%) |
| Owner Occupied HU | 4,237 (68.6%) |
| Renter Occupied HU | 1,445 (23.4%) |
| Vacant Housing Units | 491 ( 8.0%) |
| Median Home Value | $361,565 |
| Average Home Value | $432,564 |
Housing Distribution
Address Breakdown
Residential
5,799
Single Family
5,598
Multi-Family
201
Businesses
325
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Donald Haapakoski • ERA Key Realty Services - Worcester
Mls Name: MLS PIN
Mls ID: #73455674