10 Elm StHoultonME04730
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 10 Elm St, Houlton, ME, 04730 in Houlton speaks for itself: 17.64% gross on a $127,400 price, generating $1,873/mo in rent and $988/mo in net income after the $573/mo debt service. DSCR 3.27, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,862 stacks alongside $35,198 in projected five-year appreciation and $1,173/yr in principal reduction. Projected total cumulative return: $112,323.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.6% | 6.0% |
| Monthly Cash Flow | $988 | $400 |
City averages based on Houlton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,873 |
| Total Monthly Debt Service | $834 |
| DSCR Ratio | 2.25x |
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 1900
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04730, Houlton, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,799 (100%) |
| Owner Occupied HU | 2,836 (59.1%) |
| Renter Occupied HU | 1,260 (26.3%) |
| Vacant Housing Units | 703 (14.6%) |
| Median Home Value | $164,423 |
| Average Home Value | $216,767 |
Housing Distribution
Address Breakdown
Residential
3,981
Single Family
3,616
Multi-Family
365
Businesses
424
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 1900
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04730, Houlton, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,799 (100%) |
| Owner Occupied HU | 2,836 (59.1%) |
| Renter Occupied HU | 1,260 (26.3%) |
| Vacant Housing Units | 703 (14.6%) |
| Median Home Value | $164,423 |
| Average Home Value | $216,767 |
Housing Distribution
Address Breakdown
Residential
3,981
Single Family
3,616
Multi-Family
365
Businesses
424
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices