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$395,000

Sale Pending
8 Suffield St, Worcester, MA 01610
4 Beds
2 Baths
1,637 Square Feet
0.13 Acres Lot
Built in 1855
Sale Pending
Units n/a
Checked: 22 hours ago
Updated: Jun 08, 2025 at 03:04AM

Investment Summary


Monthly Cash Flow
-$303
Cap Rate
4.8%
Cash-on-Cash Return
-4.0%
Debt Coverage Ratio
0.84
Internal Rate of Return (5 years)
0.1%

Property Description


0.13 Acres Lot
Built in 1855
Sale Pending
Units n/a

Welcome to this beautifully maintained colonial style home offering 4 bedrooms, 2 full bathrooms, dinning room and kitchen, living room, Off street parking space, fenced yard, back deck, front porch, conveniently located near major amenities including hospitals, colleges, restaurants, shopping, bus route, highway and more.

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Location


Property Details


Parking

  • Description: Detached, Paved Drive, Off Street, Paved
  • Details: Paved, Off Street
  • Garage Spaces: 0
  • Spaces Total: 3

Bedroom Information

  • # of Bedrooms: 4

Bathroom Information

  • # of Baths (Full): 2
  • # of Baths (Partial): 1
  • # of Baths (Total): 2.0

Interior Features

  • # of Rooms: 9
  • # of Stories: 2
  • Basement: Yes
  • Basement Description: Unfinished
  • Fireplace: Yes

Exterior Features

  • Exterior Walls Materials: Siding (Alum/Vinyl)
  • Foundation: Stone
  • Roof Type: Gable

Land Information

  • Land Use: Residential
  • Land Use Subtype: Single Family Residential

Lot Information

  • Parcel ID: WORCM:05B:026L:00004
  • Lot Size: 5771 sqft

Property Information

  • Property Type: Single Family Residence
  • Style: Colonial
  • Year Built: 1855

Tax Information

  • Annual Tax: $4,395

Utilities

  • Water & Sewer: Public
  • Heating: Natural Gas
  • Cooling: None

Location

  • County: Worcester

Investment Summary


Monthly Cash Flow
-$303
Cap Rate
4.8%
Cash-on-Cash Return
-4.0%
Debt Coverage Ratio
0.84
Internal Rate of Return (5 years)
0.1%

Purchase Details

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Purchase price:
$395,000
Amount financed:
-$316,000
Down payment:
$79,000
Closing costs:
$11,850
Rehab costs:
$0
Initial cash invested:
$90,850
Square feet:
1,637
Cost per square foot:
$241
Monthly rent per square foot:
$1.71

Financing Details

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Loan amount:
$316,000
Loan to value ratio:
80.0%
Loan type:
Amortizing
Term:
30 years
Interest rate:
5.875%
Principal & interest:
$1,869
Property tax:
$366
Insurance:
$196
Private mortgage insurance (PMI):
$0
Monthly payment:
$2,431

Operating Income

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% Rent Monthly Yearly
Gross rent:
$2,800 $33,600
Vacancy loss: (6%)
6% -$168 -$2,016
Operating income:
$2,632 $31,584

Operating Expenses


% Rent Monthly Yearly
Property taxes: (13%)
13%-$366-$4,395
Insurance: (7%)
7%-$196-$2,352
Property management: (8%)
8%-$224-$2,688
Repairs & maintenance: (5%)
5%-$140-$1,680
Capital expenditures: (5%)
5%-$140-$1,680
HOA fees: (n/a)
n/an/an/a
Total operating expenses: (38%)
38%-$1,066-$12,795

Cash Flow


Monthly Yearly
Net operating income:
$1,566 $18,792
Mortgage payments:
-$1,869 -$22,428
Cash flow:
$303 $3,636