74 Valley RdSpringfieldMA01119
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 74 Valley Rd, Springfield, MA, 01119 in Springfield speaks for itself: 11.62% gross on a $316,900 price, generating $3,068/mo in rent and $1,071/mo in net income after the $1,425/mo debt service. DSCR 2.15, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $12,852 stacks alongside $87,554 in projected five-year appreciation and $2,919/yr in principal reduction. Projected total cumulative return: $189,238.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 9.2% |
| Monthly Cash Flow | $1,071 | $300 |
City averages based on Springfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,068 |
| Total Monthly Debt Service | $1,871 |
| DSCR Ratio | 1.64x |
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 1957
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01119, Springfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,341 (100%) |
| Owner Occupied HU | 3,696 (69.2%) |
| Renter Occupied HU | 1,400 (26.2%) |
| Vacant Housing Units | 245 ( 4.6%) |
| Median Home Value | $254,790 |
| Average Home Value | $268,508 |
Housing Distribution
Address Breakdown
Residential
5,236
Single Family
5,046
Multi-Family
190
Businesses
150
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 1957
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01119, Springfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,341 (100%) |
| Owner Occupied HU | 3,696 (69.2%) |
| Renter Occupied HU | 1,400 (26.2%) |
| Vacant Housing Units | 245 ( 4.6%) |
| Median Home Value | $254,790 |
| Average Home Value | $268,508 |
Housing Distribution
Address Breakdown
Residential
5,236
Single Family
5,046
Multi-Family
190
Businesses
150
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kamania Gray • Executive Real Estate, Inc.
Mls Name: MLS PIN
Mls ID: #73451360