191 Woods Point RoadBlue HillME04614
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 191 Woods Point Road, Blue Hill, ME, 04614 in Blue Hill fits: $1,678,000, 3.11% gross yield, and a projected 5% annual appreciation rate adding $463,600 in value within five years. Rental yield 3.11%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.55) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $14,067/yr in principal paydown and $463,600 in appreciation project a total return of $204,070.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.5% |
| Monthly Cash Flow | $(6,297) | $250 |
City averages based on Blue Hill 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 | $4,351 |
| Total Monthly Debt Service | $10,332 |
| DSCR Ratio | 0.42x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2000
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04614, Blue Hill, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,845 (100%) |
| Owner Occupied HU | 1,018 (55.2%) |
| Renter Occupied HU | 294 (15.9%) |
| Vacant Housing Units | 533 (28.9%) |
| Median Home Value | $373,502 |
| Average Home Value | $470,840 |
Housing Distribution
Address Breakdown
Residential
924
Single Family
922
Multi-Family
2
Businesses
173
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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
