14 Windward Way UNIT 318CutlerME04626
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 14 Windward Way UNIT 318, Cutler, ME, 04626 in Cutler achieves a 1.78 ratio at $140,000: $1,122/mo rent versus $630/mo debt service. Rental yield 9.34%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.34% yield compounds alongside 5% annual appreciation projecting $38,679 in value. Total projected cumulative return: $50,496.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.0% |
| Monthly Cash Flow | $(94) | $300 |
City averages based on Cutler market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,122 |
| Total Monthly Debt Service | $1,128 |
| DSCR Ratio | 0.99x |
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.
Condo
Built in 1960
31 Acres lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04626, Cutler, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 366 (100%) |
| Owner Occupied HU | 185 (50.5%) |
| Renter Occupied HU | 32 ( 8.7%) |
| Vacant Housing Units | 149 (40.7%) |
| Median Home Value | $200,893 |
| Average Home Value | $237,595 |
Housing Distribution
Address Breakdown
Residential
254
Single Family
254
Multi-Family
0
Businesses
14
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
Condo
Built in 1960
31 Acres lot
$N/A/sqft
$300 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04626, Cutler, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 366 (100%) |
| Owner Occupied HU | 185 (50.5%) |
| Renter Occupied HU | 32 ( 8.7%) |
| Vacant Housing Units | 149 (40.7%) |
| Median Home Value | $200,893 |
| Average Home Value | $237,595 |
Housing Distribution
Address Breakdown
Residential
254
Single Family
254
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Points East Real Estate
Mls Name: Maine Listings
Mls Provider:
Mls ID: #1619772
Disclaimer: Listing data is derived in whole or in part from Maine Real Estate Information System, Inc. (d/b/a Maine Listings) and is for consumers' personal, noncommercial use only. Dimensions are approximate and not guaranteed. All data should be independently verified. 2025 Maine Real Estate Information System, Inc. All Rights Reserved. Equal Housing Opportunity. Zillow Inc. 415 Congress St #202 Portland, ME 04101 (207) 220-3782