133 Main StreetSumnerME04292
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing133 Main Street, Sumner, ME, 04292 in Sumner is a stable, well-positioned rental at $369,500. Rental yield 6.89%. DSCR 1.28 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $102,086 in value and $3,403/yr in principal paydown builds equity, a total projected return of $126,782.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 5.2% |
| Monthly Cash Flow | $(210) | $850 |
City averages based on Sumner market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,122 |
| Total Monthly Debt Service | $2,185 |
| DSCR Ratio | 0.97x |
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 1900
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04292, Sumner, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 536 (100%) |
| Owner Occupied HU | 350 (65.3%) |
| Renter Occupied HU | 47 ( 8.8%) |
| Vacant Housing Units | 139 (25.9%) |
| Median Home Value | $219,048 |
| Average Home Value | $231,793 |
Housing Distribution
Address Breakdown
Residential
416
Single Family
416
Multi-Family
0
Businesses
13
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
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04292, Sumner, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 536 (100%) |
| Owner Occupied HU | 350 (65.3%) |
| Renter Occupied HU | 47 ( 8.8%) |
| Vacant Housing Units | 139 (25.9%) |
| Median Home Value | $219,048 |
| Average Home Value | $231,793 |
Housing Distribution
Address Breakdown
Residential
416
Single Family
416
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices