725 Lombard RoadChicopeeMA01020
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 725 Lombard Road, Chicopee, MA, 01020 in Chicopee. Priced at $299,900, it generates $3,005/mo in gross rent and $1,115/mo in net monthly cash flow, a 12.02% yield that comfortably supports the 2.23 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $13,375. Five-year appreciation: $82,857. Equity from principal paydown: $2,762/yr. Total projected cumulative return: $185,587.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.1% |
| Monthly Cash Flow | $1,115 | $420 |
City averages based on Chicopee market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,005 |
| Total Monthly Debt Service | $1,771 |
| DSCR Ratio | 1.70x |
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 1951
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01020, Chicopee, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,063 (100%) |
| Owner Occupied HU | 8,557 (60.8%) |
| Renter Occupied HU | 4,754 (33.8%) |
| Vacant Housing Units | 752 ( 5.3%) |
| Median Home Value | $300,686 |
| Average Home Value | $369,267 |
Housing Distribution
Address Breakdown
Residential
13,461
Single Family
11,000
Multi-Family
2,461
Businesses
743
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 1951
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01020, Chicopee, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,063 (100%) |
| Owner Occupied HU | 8,557 (60.8%) |
| Renter Occupied HU | 4,754 (33.8%) |
| Vacant Housing Units | 752 ( 5.3%) |
| Median Home Value | $300,686 |
| Average Home Value | $369,267 |
Housing Distribution
Address Breakdown
Residential
13,461
Single Family
11,000
Multi-Family
2,461
Businesses
743
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kelsey Thompson • Lock and Key Realty, Inc
Mls Name: Smart MLS
Mls ID: #24111986