910 Saratoga St APT 5East BostonMA02128
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 910 Saratoga St APT 5, East Boston, MA, 02128 in East Boston: $3,230/mo in rent, $269/mo in net income, 9.23% gross yield, 1.71 DSCR, all at $419,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $116,011 in appreciation and $3,867/yr in principal paydown projects total cumulative return of $196,984.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.1% |
| Monthly Cash Flow | $269 | $1,500 |
City averages based on East Boston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,230 |
| Total Monthly Debt Service | $2,479 |
| DSCR Ratio | 1.30x |
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.
Townhouse
Built in 1960
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02128, Boston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,400 (100%) |
| Owner Occupied HU | 4,756 (24.5%) |
| Renter Occupied HU | 12,784 (65.9%) |
| Vacant Housing Units | 1,860 ( 9.6%) |
| Median Home Value | $766,192 |
| Average Home Value | $826,123 |
Housing Distribution
Address Breakdown
Residential
17,476
Single Family
8,803
Multi-Family
8,673
Businesses
1,148
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
Townhouse
Built in 1960
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 02128, Boston, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,400 (100%) |
| Owner Occupied HU | 4,756 (24.5%) |
| Renter Occupied HU | 12,784 (65.9%) |
| Vacant Housing Units | 1,860 ( 9.6%) |
| Median Home Value | $766,192 |
| Average Home Value | $826,123 |
Housing Distribution
Address Breakdown
Residential
17,476
Single Family
8,803
Multi-Family
8,673
Businesses
1,148
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lucy Basile • Charlesgate Realty Group LLC
Mls Name: MLS PIN
Mls ID: #73471957