17 Willow StreetHowlandME04448
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 17 Willow Street, Howland, ME, 04448 in Howland. At $129,900 it earns $1,044/mo in rent and distributes $224/mo to the owner after the $584/mo payment, a consistent 9.64% yield. DSCR 1.79 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $35,889 in value; $1,196/yr in principal paydown compounds ownership stake. Total projected return: $63,764.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.2% |
| Monthly Cash Flow | $224 | $350 |
City averages based on Howland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,044 |
| Total Monthly Debt Service | $768 |
| 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 1920
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04448, Howland, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 558 (100%) |
| Owner Occupied HU | 355 (63.6%) |
| Renter Occupied HU | 93 (16.7%) |
| Vacant Housing Units | 110 (19.7%) |
| Median Home Value | $125,735 |
| Average Home Value | $167,514 |
Housing Distribution
Address Breakdown
Residential
180
Single Family
180
Multi-Family
0
Businesses
21
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 1920
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04448, Howland, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 558 (100%) |
| Owner Occupied HU | 355 (63.6%) |
| Renter Occupied HU | 93 (16.7%) |
| Vacant Housing Units | 110 (19.7%) |
| Median Home Value | $125,735 |
| Average Home Value | $167,514 |
Housing Distribution
Address Breakdown
Residential
180
Single Family
180
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices