8 Luther Shaw RdCummingtonMA01026
INVESTMENT ANALYSIS
Investment Verdict
Solid Income8 Luther Shaw Rd, Cummington, MA, 01026 in Cummington earns a respectable 8.06% gross yield at $250,000, but after the $1,124/mo mortgage the net cash flow is $103/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.49) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $69,070 over five years, making equity the dominant return driver. Total projected return: $101,593.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $103 | $600 |
City averages based on Cummington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,679 |
| Total Monthly Debt Service | $1,476 |
| DSCR Ratio | 1.14x |
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 1900
4.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01026, Cummington, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 627 (100%) |
| Owner Occupied HU | 412 (65.7%) |
| Renter Occupied HU | 79 (12.6%) |
| Vacant Housing Units | 136 (21.7%) |
| Median Home Value | $495,000 |
| Average Home Value | $516,990 |
Housing Distribution
Address Breakdown
Residential
452
Single Family
427
Multi-Family
25
Businesses
31
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 1900
4.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01026, Cummington, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 627 (100%) |
| Owner Occupied HU | 412 (65.7%) |
| Renter Occupied HU | 79 (12.6%) |
| Vacant Housing Units | 136 (21.7%) |
| Median Home Value | $495,000 |
| Average Home Value | $516,990 |
Housing Distribution
Address Breakdown
Residential
452
Single Family
427
Multi-Family
25
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Barbara Osborne • ASHMERE REALTY, INC.
Mls Name: BCMLS
Mls ID: #247104