91 Geneva AveDorchesterMA02121
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 91 Geneva Ave, Dorchester, MA, 02121 in Dorchester is capital appreciation. Rental yield 4.93%. The 4.93% gross yield at $1,049,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $290,068 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.91) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $250,680.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 5.8% |
| Monthly Cash Flow | $(2,300) | $450 |
City averages based on Dorchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,318 |
| Total Monthly Debt Service | $6,200 |
| DSCR Ratio | 0.70x |
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 1920
4,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02121, Boston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,002 (100%) |
| Owner Occupied HU | 2,345 (21.3%) |
| Renter Occupied HU | 7,947 (72.2%) |
| Vacant Housing Units | 710 ( 6.5%) |
| Median Home Value | $687,999 |
| Average Home Value | $709,643 |
Housing Distribution
Address Breakdown
Residential
9,452
Single Family
3,449
Multi-Family
6,003
Businesses
402
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 1920
4,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02121, Boston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,002 (100%) |
| Owner Occupied HU | 2,345 (21.3%) |
| Renter Occupied HU | 7,947 (72.2%) |
| Vacant Housing Units | 710 ( 6.5%) |
| Median Home Value | $687,999 |
| Average Home Value | $709,643 |
Housing Distribution
Address Breakdown
Residential
9,452
Single Family
3,449
Multi-Family
6,003
Businesses
402
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73479240