1015 Main StJayME04239
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Jay rentals match the income profile of 1015 Main St, Jay, ME, 04239. Listed at $135,300, gross rent is $2,377/mo and net cash flow is $1,523/mo, a 21.08% yield well above national averages. DSCR 3.91 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $37,381 by year five with $1,246/yr in annual principal reduction, projecting $149,441 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 21.1% | 6.0% |
| Monthly Cash Flow | $1,523 | $700 |
City averages based on Jay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,377 |
| Total Monthly Debt Service | $800 |
| DSCR Ratio | 2.97x |
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 N/A
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04239, Jay, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,319 (100%) |
| Owner Occupied HU | 1,737 (74.9%) |
| Renter Occupied HU | 372 (16.0%) |
| Vacant Housing Units | 210 ( 9.1%) |
| Median Home Value | $159,811 |
| Average Home Value | $176,523 |
Housing Distribution
Address Breakdown
Residential
2,063
Single Family
1,982
Multi-Family
81
Businesses
105
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 N/A
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04239, Jay, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,319 (100%) |
| Owner Occupied HU | 1,737 (74.9%) |
| Renter Occupied HU | 372 (16.0%) |
| Vacant Housing Units | 210 ( 9.1%) |
| Median Home Value | $159,811 |
| Average Home Value | $176,523 |
Housing Distribution
Address Breakdown
Residential
2,063
Single Family
1,982
Multi-Family
81
Businesses
105
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices