80 Terrace St #402Roxbury CrossingMA02120
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.14% yield at 80 Terrace St #402, Roxbury Crossing, MA, 02120 in Roxbury Crossing is solid, but the $3,998/mo payment compresses net cash flow to $78/mo at $889,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $245,614 by year five, and $8,188/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.51) without U.S. income documentation. Total projected return: $344,028.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.8% |
| Monthly Cash Flow | $78 | $800 |
City averages based on Roxbury Crossing market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,031 |
| Total Monthly Debt Service | $5,600 |
| DSCR Ratio | 1.08x |
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.
Condo
Built in 2023
4,791 sqft lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02120, Boston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,439 (100%) |
| Owner Occupied HU | 763 (10.3%) |
| Renter Occupied HU | 5,882 (79.1%) |
| Vacant Housing Units | 794 (10.7%) |
| Median Home Value | $789,195 |
| Average Home Value | $929,920 |
Housing Distribution
Address Breakdown
Residential
5,760
Single Family
1,940
Multi-Family
3,820
Businesses
221
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
Condo
Built in 2023
4,791 sqft lot
$N/A/sqft
$350 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02120, Boston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,439 (100%) |
| Owner Occupied HU | 763 (10.3%) |
| Renter Occupied HU | 5,882 (79.1%) |
| Vacant Housing Units | 794 (10.7%) |
| Median Home Value | $789,195 |
| Average Home Value | $929,920 |
Housing Distribution
Address Breakdown
Residential
5,760
Single Family
1,940
Multi-Family
3,820
Businesses
221
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices