163 Valley RoadRaymondME04071
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 163 Valley Road, Raymond, ME, 04071 in Raymond hard to pass up. The 10.04% gross yield on a $470,000 purchase results in $3,932/mo in rent and $966/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.86). Annual cash flow of $11,594, five-year appreciation of $129,852, and $4,329/yr in equity build-up combine for a projected total cumulative return of $240,676.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 7.0% |
| Monthly Cash Flow | $966 | $350 |
City averages based on Raymond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,932 |
| Total Monthly Debt Service | $2,779 |
| DSCR Ratio | 1.41x |
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 1997
1.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04071, Raymond, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,212 (100%) |
| Owner Occupied HU | 1,975 (46.9%) |
| Renter Occupied HU | 260 ( 6.2%) |
| Vacant Housing Units | 1,977 (46.9%) |
| Median Home Value | $601,147 |
| Average Home Value | $769,292 |
Housing Distribution
Address Breakdown
Residential
2,356
Single Family
2,332
Multi-Family
24
Businesses
144
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 1997
1.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04071, Raymond, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,212 (100%) |
| Owner Occupied HU | 1,975 (46.9%) |
| Renter Occupied HU | 260 ( 6.2%) |
| Vacant Housing Units | 1,977 (46.9%) |
| Median Home Value | $601,147 |
| Average Home Value | $769,292 |
Housing Distribution
Address Breakdown
Residential
2,356
Single Family
2,332
Multi-Family
24
Businesses
144
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices