956 Dwight StHolyokeMA01040
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 956 Dwight St, Holyoke, MA, 01040 in Holyoke. At $290,000 it earns $2,252/mo in rent and distributes $425/mo to the owner after the $1,304/mo payment, a consistent 9.32% yield. DSCR 1.73 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $80,122 in value; $2,671/yr in principal paydown compounds ownership stake. Total projected return: $137,420.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.0% |
| Monthly Cash Flow | $425 | $850 |
City averages based on Holyoke market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,252 |
| Total Monthly Debt Service | $1,712 |
| DSCR Ratio | 1.32x |
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.
Multi Family
Built in 1927
4,273 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01040, Holyoke, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,038 (100%) |
| Owner Occupied HU | 6,491 (38.1%) |
| Renter Occupied HU | 9,211 (54.1%) |
| Vacant Housing Units | 1,336 ( 7.8%) |
| Median Home Value | $316,021 |
| Average Home Value | $346,037 |
Housing Distribution
Address Breakdown
Residential
15,801
Single Family
11,173
Multi-Family
4,628
Businesses
1,214
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 1927
4,273 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01040, Holyoke, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,038 (100%) |
| Owner Occupied HU | 6,491 (38.1%) |
| Renter Occupied HU | 9,211 (54.1%) |
| Vacant Housing Units | 1,336 ( 7.8%) |
| Median Home Value | $316,021 |
| Average Home Value | $346,037 |
Housing Distribution
Address Breakdown
Residential
15,801
Single Family
11,173
Multi-Family
4,628
Businesses
1,214
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patriot Living Group • Lock and Key Realty Inc.
Mls Name: MLS PIN
Mls ID: #73450431