65 Howard St #1CambridgeMA02139
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 65 Howard St #1, Cambridge, MA, 02139 in Cambridge: $5,088/mo in rent, $682/mo in net income, 9.18% gross yield, 1.70 DSCR, all at $665,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $183,727 in appreciation and $6,125/yr in principal paydown projects total cumulative return of $310,217.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.5% |
| Monthly Cash Flow | $682 | $1,200 |
City averages based on Cambridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,088 |
| Total Monthly Debt Service | $3,927 |
| DSCR Ratio | 1.30x |
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.
Condo
Built in 1894
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02139, Cambridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,981 (100%) |
| Owner Occupied HU | 4,615 (27.2%) |
| Renter Occupied HU | 11,270 (66.4%) |
| Vacant Housing Units | 1,096 ( 6.5%) |
| Median Home Value | $1,225,449 |
| Average Home Value | $1,311,567 |
Housing Distribution
Address Breakdown
Residential
15,576
Single Family
6,039
Multi-Family
9,537
Businesses
1,538
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
Condo
Built in 1894
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02139, Cambridge, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,981 (100%) |
| Owner Occupied HU | 4,615 (27.2%) |
| Renter Occupied HU | 11,270 (66.4%) |
| Vacant Housing Units | 1,096 ( 6.5%) |
| Median Home Value | $1,225,449 |
| Average Home Value | $1,311,567 |
Housing Distribution
Address Breakdown
Residential
15,576
Single Family
6,039
Multi-Family
9,537
Businesses
1,538
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brian Kenneally • Keller Williams Realty
Mls Name: MLS PIN
Mls ID: #73475685