97 Whitney AveLowellMA01850
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 97 Whitney Ave, Lowell, MA, 01850 in Lowell is straightforward: $500,000 in, $4,153/mo in rent, $1,002/mo out after debt service. The 9.97% gross yield and 1.85 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $138,141 by year five. With $4,605/yr in principal equity, the total cumulative return is projected at $254,319.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.1% |
| Monthly Cash Flow | $1,002 | $420 |
City averages based on Lowell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,153 |
| Total Monthly Debt Service | $2,952 |
| DSCR Ratio | 1.41x |
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 1890
0.16 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01850, Lowell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,045 (100%) |
| Owner Occupied HU | 2,680 (44.3%) |
| Renter Occupied HU | 3,077 (50.9%) |
| Vacant Housing Units | 288 ( 4.8%) |
| Median Home Value | $443,973 |
| Average Home Value | $483,436 |
Housing Distribution
Address Breakdown
Residential
5,755
Single Family
5,000
Multi-Family
755
Businesses
163
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 1890
0.16 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01850, Lowell, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,045 (100%) |
| Owner Occupied HU | 2,680 (44.3%) |
| Renter Occupied HU | 3,077 (50.9%) |
| Vacant Housing Units | 288 ( 4.8%) |
| Median Home Value | $443,973 |
| Average Home Value | $483,436 |
Housing Distribution
Address Breakdown
Residential
5,755
Single Family
5,000
Multi-Family
755
Businesses
163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elizabeth LeClaire-Furbush • Keller Williams Realty Metropolitan
Mls Name: MLS PIN
Mls ID: #73475063