75 Chapel StShirleyMA01464
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 75 Chapel St, Shirley, MA, 01464 in Shirley at $449,900. Rental yield 6.13%. The 6.13% yield and 1.08 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $124,299 by year five, and $3,771/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $127,833.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 7.0% |
| Monthly Cash Flow | $(536) | $800 |
City averages based on Shirley market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,299 |
| Total Monthly Debt Service | $2,766 |
| DSCR Ratio | 0.83x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 1930
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01464, Shirley, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,707 (100%) |
| Owner Occupied HU | 1,956 (72.3%) |
| Renter Occupied HU | 632 (23.3%) |
| Vacant Housing Units | 119 ( 4.4%) |
| Median Home Value | $533,333 |
| Average Home Value | $622,294 |
Housing Distribution
Address Breakdown
Residential
2,191
Single Family
2,143
Multi-Family
48
Businesses
221
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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
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Listed by: Kenneth Maston • Keller Williams Realty North Central
Mls Name: MLS PIN
Mls ID: #73599031
