90 Patterson RdWorthingtonMA01098
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 90 Patterson Rd, Worthington, MA, 01098 in Worthington. Priced at $415,000, it generates $3,551/mo in gross rent and $935/mo in net monthly cash flow, a 10.27% yield that comfortably supports the 1.90 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,221. Five-year appreciation: $114,657. Equity from principal paydown: $3,822/yr. Total projected cumulative return: $217,779.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $935 | $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 | $3,551 |
| Total Monthly Debt Service | $2,451 |
| DSCR Ratio | 1.45x |
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 1991
5.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01098, Worthington, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 645 (100%) |
| Owner Occupied HU | 520 (80.6%) |
| Renter Occupied HU | 55 ( 8.5%) |
| Vacant Housing Units | 70 (10.9%) |
| Median Home Value | $528,481 |
| Average Home Value | $582,889 |
Housing Distribution
Address Breakdown
Residential
365
Single Family
365
Multi-Family
0
Businesses
32
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 1991
5.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 01098, Worthington, MA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 645 (100%) |
| Owner Occupied HU | 520 (80.6%) |
| Renter Occupied HU | 55 ( 8.5%) |
| Vacant Housing Units | 70 (10.9%) |
| Median Home Value | $528,481 |
| Average Home Value | $582,889 |
Housing Distribution
Address Breakdown
Residential
365
Single Family
365
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS PIN
Mls ID: #73532787