109 Water StreetGuilfordME04443
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Guilford rental at 109 Water Street, Guilford, ME, 04443 sits in the solid-income band: 9.63% gross yield, $2,320/mo rent, $496/mo net after the $1,300/mo debt service, DSCR 1.78. Entry price of $289,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $79,845 and $2,662/yr in principal reduction bring total cumulative return to $141,640.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.5% |
| Monthly Cash Flow | $496 | $450 |
City averages based on Guilford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,320 |
| Total Monthly Debt Service | $1,709 |
| DSCR Ratio | 1.36x |
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 1975
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04443, Guilford, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,703 (100%) |
| Owner Occupied HU | 781 (45.9%) |
| Renter Occupied HU | 221 (13.0%) |
| Vacant Housing Units | 701 (41.2%) |
| Median Home Value | $188,949 |
| Average Home Value | $230,157 |
Housing Distribution
Address Breakdown
Residential
901
Single Family
818
Multi-Family
83
Businesses
58
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 1975
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04443, Guilford, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,703 (100%) |
| Owner Occupied HU | 781 (45.9%) |
| Renter Occupied HU | 221 (13.0%) |
| Vacant Housing Units | 701 (41.2%) |
| Median Home Value | $188,949 |
| Average Home Value | $230,157 |
Housing Distribution
Address Breakdown
Residential
901
Single Family
818
Multi-Family
83
Businesses
58
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices