197 E Shore DriveIslesboroME04848
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 197 E Shore Drive, Islesboro, ME, 04848 in Islesboro speaks for itself: 10% gross on a $360,000 price, generating $3,000/mo in rent and $728/mo in net income after the $1,619/mo debt service. DSCR 1.85, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,736 stacks alongside $99,461 in projected five-year appreciation and $3,316/yr in principal reduction. Projected total cumulative return: $183,531.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 5.0% |
| Monthly Cash Flow | $728 | $12,000 |
City averages based on Islesboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $2,129 |
| 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 2022
4.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04848, Islesboro, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 838 (100%) |
| Owner Occupied HU | 236 (28.2%) |
| Renter Occupied HU | 39 ( 4.7%) |
| Vacant Housing Units | 563 (67.2%) |
| Median Home Value | $494,118 |
| Average Home Value | $615,180 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
329
Multi-Family
3
Businesses
48
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 2022
4.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04848, Islesboro, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 838 (100%) |
| Owner Occupied HU | 236 (28.2%) |
| Renter Occupied HU | 39 ( 4.7%) |
| Vacant Housing Units | 563 (67.2%) |
| Median Home Value | $494,118 |
| Average Home Value | $615,180 |
Housing Distribution
Address Breakdown
Residential
332
Single Family
329
Multi-Family
3
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices