108 Marina RoadHampdenME04444
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.61% gross rental yield, 108 Marina Road, Hampden, ME, 04444 in Hampden is priced for capital growth, not immediate cash flow. The $1,250,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $345,352 by year five, with $11,513/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.67) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $208,759.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 5.2% |
| Monthly Cash Flow | $(4,132) | $900 |
City averages based on Hampden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,757 |
| Total Monthly Debt Service | $7,392 |
| DSCR Ratio | 0.51x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1990
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04444, Hampden, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,267 (100%) |
| Owner Occupied HU | 3,328 (78.0%) |
| Renter Occupied HU | 721 (16.9%) |
| Vacant Housing Units | 218 ( 5.1%) |
| Median Home Value | $367,032 |
| Average Home Value | $397,760 |
Housing Distribution
Address Breakdown
Residential
3,960
Single Family
3,910
Multi-Family
50
Businesses
240
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 1990
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04444, Hampden, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,267 (100%) |
| Owner Occupied HU | 3,328 (78.0%) |
| Renter Occupied HU | 721 (16.9%) |
| Vacant Housing Units | 218 ( 5.1%) |
| Median Home Value | $367,032 |
| Average Home Value | $397,760 |
Housing Distribution
Address Breakdown
Residential
3,960
Single Family
3,910
Multi-Family
50
Businesses
240
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices