174 Main StNorthfieldMA01360
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 174 Main St, Northfield, MA, 01360 in Northfield is listed at $325,000 and delivers $2,253/mo in rent and $205/mo in net monthly cash flow. The 8.32% yield and 1.54 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $89,792 over five years, and $2,993/yr in principal reduction supplements cash return. Total projected cumulative return: $136,614.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $205 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,253 |
| Total Monthly Debt Service | $1,919 |
| DSCR Ratio | 1.17x |
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 1850
2.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01360, Northfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,419 (100%) |
| Owner Occupied HU | 998 (70.3%) |
| Renter Occupied HU | 237 (16.7%) |
| Vacant Housing Units | 184 (13.0%) |
| Median Home Value | $402,913 |
| Average Home Value | $448,610 |
Housing Distribution
Address Breakdown
Residential
1,265
Single Family
1,241
Multi-Family
24
Businesses
80
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 1850
2.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01360, Northfield, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,419 (100%) |
| Owner Occupied HU | 998 (70.3%) |
| Renter Occupied HU | 237 (16.7%) |
| Vacant Housing Units | 184 (13.0%) |
| Median Home Value | $402,913 |
| Average Home Value | $448,610 |
Housing Distribution
Address Breakdown
Residential
1,265
Single Family
1,241
Multi-Family
24
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73538877