70 Cottage RdNewburyMA01951
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.69% yield at 70 Cottage Rd, Newbury, MA, 01951 in Newbury is solid, but the $2,649/mo payment compresses net cash flow to $64/mo at $589,000. 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 $162,730 by year five, and $5,425/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.43) without U.S. income documentation. Total projected return: $227,720.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.1% |
| Monthly Cash Flow | $64 | $1,200 |
City averages based on Newbury market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,776 |
| Total Monthly Debt Service | $3,478 |
| DSCR Ratio | 1.09x |
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 1910
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01951, Newbury, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,919 (100%) |
| Owner Occupied HU | 1,337 (69.7%) |
| Renter Occupied HU | 258 (13.4%) |
| Vacant Housing Units | 324 (16.9%) |
| Median Home Value | $849,963 |
| Average Home Value | $894,260 |
Housing Distribution
Address Breakdown
Residential
1,865
Single Family
1,809
Multi-Family
56
Businesses
73
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 1910
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01951, Newbury, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,919 (100%) |
| Owner Occupied HU | 1,337 (69.7%) |
| Renter Occupied HU | 258 (13.4%) |
| Vacant Housing Units | 324 (16.9%) |
| Median Home Value | $849,963 |
| Average Home Value | $894,260 |
Housing Distribution
Address Breakdown
Residential
1,865
Single Family
1,809
Multi-Family
56
Businesses
73
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices