181 Day RoadGarlandME04939
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 181 Day Road, Garland, ME, 04939 in Garland: $1,903/mo in rent, $205/mo in net income, 8.49% gross yield, 1.49 DSCR, all at $269,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $74,320 in appreciation and $2,255/yr in principal paydown projects total cumulative return of $110,322.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.1% |
| Monthly Cash Flow | $205 | $250 |
City averages based on Garland 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 | $1,903 |
| Total Monthly Debt Service | $1,656 |
| DSCR Ratio | 1.15x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1998
3.91 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04939, Garland, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 578 (100%) |
| Owner Occupied HU | 425 (73.5%) |
| Renter Occupied HU | 30 ( 5.2%) |
| Vacant Housing Units | 123 (21.3%) |
| Median Home Value | $230,405 |
| Average Home Value | $272,124 |
Housing Distribution
Address Breakdown
Residential
427
Single Family
427
Multi-Family
0
Businesses
9
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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
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Nearby investment properties with comparable prices
