108 Colony RoadIslesboroME04848
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 108 Colony Road, Islesboro, ME, 04848 in Islesboro is narrow, $187/mo net on $1,989/mo rent after the $1,284/mo debt service, but the property operates at break-even-plus, not a loss. At $285,500 with a 8.36% yield, the long-run equity case via 5% appreciation ($78,878 over five years) and $2,629/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.55 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $120,463.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.0% |
| Monthly Cash Flow | $187 | $12,000 |
City averages based on Islesboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,989 |
| Total Monthly Debt Service | $1,688 |
| DSCR Ratio | 1.18x |
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 1915
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04848, Islesboro, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 838 (100%) |
| Owner Occupied HU | 236 (28.2%) |
| Renter Occupied HU | 39 ( 4.7%) |
| Vacant Housing Units | 563 (67.2%) |
| Median Home Value | $494,118 |
| Average Home Value | $615,180 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
329
Multi-Family
3
Businesses
48
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 1915
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04848, Islesboro, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 838 (100%) |
| Owner Occupied HU | 236 (28.2%) |
| Renter Occupied HU | 39 ( 4.7%) |
| Vacant Housing Units | 563 (67.2%) |
| Median Home Value | $494,118 |
| Average Home Value | $615,180 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
329
Multi-Family
3
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices