102 Main StreetFairfieldME04937
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 102 Main Street, Fairfield, ME, 04937 in Fairfield deserves attention. This $256,900 property earns $2,629/mo in rent, a 12.28% gross yield, and nets $1,004/mo after the $1,155/mo payment. DSCR 2.28 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $70,977 compounds alongside $2,366/yr in yearly equity build, for a total cumulative return of $162,215.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 5.5% |
| Monthly Cash Flow | $1,004 | $650 |
City averages based on Fairfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,629 |
| Total Monthly Debt Service | $1,523 |
| DSCR Ratio | 1.73x |
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
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04937, Fairfield, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,005 (100%) |
| Owner Occupied HU | 2,098 (69.8%) |
| Renter Occupied HU | 709 (23.6%) |
| Vacant Housing Units | 198 ( 6.6%) |
| Median Home Value | $187,090 |
| Average Home Value | $211,345 |
Housing Distribution
Address Breakdown
Residential
2,776
Single Family
2,717
Multi-Family
59
Businesses
175
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
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04937, Fairfield, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,005 (100%) |
| Owner Occupied HU | 2,098 (69.8%) |
| Renter Occupied HU | 709 (23.6%) |
| Vacant Housing Units | 198 ( 6.6%) |
| Median Home Value | $187,090 |
| Average Home Value | $211,345 |
Housing Distribution
Address Breakdown
Residential
2,776
Single Family
2,717
Multi-Family
59
Businesses
175
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices