76-78 W 3rd StLowellMA01850
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 76-78 W 3rd St, Lowell, MA, 01850 in Lowell. Rental yield 4.12%. At $734,990 with 4.12% gross yield, current distributions are modest, but the 5% appreciation rate projects $203,064 in new equity by year five, complemented by $6,769/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.76) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $143,180.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.1% |
| Monthly Cash Flow | $(2,111) | $420 |
City averages based on Lowell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,521 |
| Total Monthly Debt Service | $4,340 |
| DSCR Ratio | 0.58x |
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.
Multi Family
Built in 1988
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01850, Lowell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,045 (100%) |
| Owner Occupied HU | 2,680 (44.3%) |
| Renter Occupied HU | 3,077 (50.9%) |
| Vacant Housing Units | 288 ( 4.8%) |
| Median Home Value | $443,973 |
| Average Home Value | $483,436 |
Housing Distribution
Address Breakdown
Residential
5,755
Single Family
5,000
Multi-Family
755
Businesses
163
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
Multi Family
Built in 1988
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01850, Lowell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,045 (100%) |
| Owner Occupied HU | 2,680 (44.3%) |
| Renter Occupied HU | 3,077 (50.9%) |
| Vacant Housing Units | 288 ( 4.8%) |
| Median Home Value | $443,973 |
| Average Home Value | $483,436 |
Housing Distribution
Address Breakdown
Residential
5,755
Single Family
5,000
Multi-Family
755
Businesses
163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Tan • Urban Real Estate
Mls Name: MLS PIN
Mls ID: #73427952