LOT 49 49 Jennings RdCharltonMA01507
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find LOT 49 49 Jennings Rd, Charlton, MA, 01507 in Charlton worth study. Rental yield 2.71%. The 2.71% gross yield is below cash-flow benchmarks at $849,000, but 5% annual appreciation, adding $234,563 over five years, frames this as a capital growth position. Rent of $1,914/mo partially offsets the $3,818/mo payment. Ziffy Mortgage finances appreciation-play properties (0.50 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $101,165.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 5.8% |
| Monthly Cash Flow | $(3,437) | $850 |
City averages based on Charlton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,914 |
| Total Monthly Debt Service | $5,013 |
| DSCR Ratio | 0.38x |
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.
Single Family
Built in 2026
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01507, Charlton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,358 (100%) |
| Owner Occupied HU | 4,240 (79.1%) |
| Renter Occupied HU | 869 (16.2%) |
| Vacant Housing Units | 249 ( 4.6%) |
| Median Home Value | $501,961 |
| Average Home Value | $542,894 |
Housing Distribution
Address Breakdown
Residential
4,857
Single Family
4,625
Multi-Family
232
Businesses
239
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 2026
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01507, Charlton, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,358 (100%) |
| Owner Occupied HU | 4,240 (79.1%) |
| Renter Occupied HU | 869 (16.2%) |
| Vacant Housing Units | 249 ( 4.6%) |
| Median Home Value | $501,961 |
| Average Home Value | $542,894 |
Housing Distribution
Address Breakdown
Residential
4,857
Single Family
4,625
Multi-Family
232
Businesses
239
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Derek Greene • The Greene Realty Group
Mls Name: MLS PIN
Mls ID: #73442523