72 Ayer RdHarvardMA01451
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 72 Ayer Rd, Harvard, MA, 01451 in Harvard worth study. Rental yield 5.05%. The 5.05% gross yield is below cash-flow benchmarks at $1,199,000, but 5% annual appreciation, adding $331,262 over five years, frames this as a capital growth position. Rent of $5,041/mo partially offsets the $5,391/mo payment. Ziffy Mortgage finances appreciation-play properties (0.94 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $291,384.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 7.0% |
| Monthly Cash Flow | $(2,549) | $1,200 |
City averages based on Harvard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,041 |
| Total Monthly Debt Service | $7,113 |
| DSCR Ratio | 0.71x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1986
2.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01451, Harvard, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,185 (100%) |
| Owner Occupied HU | 1,884 (86.2%) |
| Renter Occupied HU | 189 ( 8.6%) |
| Vacant Housing Units | 112 ( 5.1%) |
| Median Home Value | $811,567 |
| Average Home Value | $914,433 |
Housing Distribution
Address Breakdown
Residential
1,960
Single Family
1,895
Multi-Family
65
Businesses
249
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 1986
2.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01451, Harvard, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,185 (100%) |
| Owner Occupied HU | 1,884 (86.2%) |
| Renter Occupied HU | 189 ( 8.6%) |
| Vacant Housing Units | 112 ( 5.1%) |
| Median Home Value | $811,567 |
| Average Home Value | $914,433 |
Housing Distribution
Address Breakdown
Residential
1,960
Single Family
1,895
Multi-Family
65
Businesses
249
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices