64 Hadley StSouth HadleyMA01075
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.09% yield at 64 Hadley St, South Hadley, MA, 01075 in South Hadley is solid, but the $1,483/mo payment compresses net cash flow to $145/mo at $329,900. 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 $91,145 by year five, and $3,038/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $134,623.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.2% |
| Monthly Cash Flow | $145 | $350 |
City averages based on South Hadley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,224 |
| Total Monthly Debt Service | $1,948 |
| 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 1947
1.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01075, South Hadley, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,562 (100%) |
| Owner Occupied HU | 5,395 (71.3%) |
| Renter Occupied HU | 1,814 (24.0%) |
| Vacant Housing Units | 353 ( 4.7%) |
| Median Home Value | $394,079 |
| Average Home Value | $438,698 |
Housing Distribution
Address Breakdown
Residential
7,165
Single Family
6,544
Multi-Family
621
Businesses
448
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 1947
1.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01075, South Hadley, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,562 (100%) |
| Owner Occupied HU | 5,395 (71.3%) |
| Renter Occupied HU | 1,814 (24.0%) |
| Vacant Housing Units | 353 ( 4.7%) |
| Median Home Value | $394,079 |
| Average Home Value | $438,698 |
Housing Distribution
Address Breakdown
Residential
7,165
Single Family
6,544
Multi-Family
621
Businesses
448
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David A Murphy • The Murphys REALTORS, Inc.
Mls Name: MLS PIN
Mls ID: #73406282