12 & 14 Center StreetMachiasME04654
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 12 & 14 Center Street, Machias, ME, 04654 in Machias speaks for itself: 10.7% gross on a $399,000 price, generating $3,559/mo in rent and $1,041/mo in net income after the $1,794/mo debt service. DSCR 1.98, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $12,492 stacks alongside $110,236 in projected five-year appreciation and $3,675/yr in principal reduction. Projected total cumulative return: $218,501.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 8.5% |
| Monthly Cash Flow | $1,041 | $350 |
City averages based on Machias market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,559 |
| Total Monthly Debt Service | $2,359 |
| DSCR Ratio | 1.51x |
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 1832
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04654, Machias, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,890 (100%) |
| Owner Occupied HU | 917 (48.5%) |
| Renter Occupied HU | 408 (21.6%) |
| Vacant Housing Units | 565 (29.9%) |
| Median Home Value | $147,135 |
| Average Home Value | $184,935 |
Housing Distribution
Address Breakdown
Residential
1,448
Single Family
1,302
Multi-Family
146
Businesses
213
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 1832
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04654, Machias, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,890 (100%) |
| Owner Occupied HU | 917 (48.5%) |
| Renter Occupied HU | 408 (21.6%) |
| Vacant Housing Units | 565 (29.9%) |
| Median Home Value | $147,135 |
| Average Home Value | $184,935 |
Housing Distribution
Address Breakdown
Residential
1,448
Single Family
1,302
Multi-Family
146
Businesses
213
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices