172 Annabessacook RoadWinthropME04364
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing172 Annabessacook Road, Winthrop, ME, 04364 in Winthrop is a stable, well-positioned rental at $995,000. Rental yield 6.11%. DSCR 1.13 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $274,900 in value and $9,164/yr in principal paydown builds equity, a total projected return of $299,684.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 5.2% |
| Monthly Cash Flow | $(1,214) | $550 |
City averages based on Winthrop market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,065 |
| Total Monthly Debt Service | $5,884 |
| DSCR Ratio | 0.86x |
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 1997
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04364, Winthrop, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,338 (100%) |
| Owner Occupied HU | 2,097 (62.8%) |
| Renter Occupied HU | 585 (17.5%) |
| Vacant Housing Units | 656 (19.7%) |
| Median Home Value | $304,345 |
| Average Home Value | $347,047 |
Housing Distribution
Address Breakdown
Residential
2,747
Single Family
2,716
Multi-Family
31
Businesses
231
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
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04364, Winthrop, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,338 (100%) |
| Owner Occupied HU | 2,097 (62.8%) |
| Renter Occupied HU | 585 (17.5%) |
| Vacant Housing Units | 656 (19.7%) |
| Median Home Value | $304,345 |
| Average Home Value | $347,047 |
Housing Distribution
Address Breakdown
Residential
2,747
Single Family
2,716
Multi-Family
31
Businesses
231
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Tim Dunham Realty
Mls Name: Maine Listings
Mls Provider:
Mls ID: #1602302
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. 2026 Maine Real Estate Information System, Inc. All Rights Reserved. Equal Housing Opportunity. Zillow Inc. 415 Congress St #202 Portland, ME 04101 (207) 220-3782