20 Wharf RdBlue HillME04614
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 20 Wharf Rd, Blue Hill, ME, 04614 in Blue Hill: $3,691/mo in rent, $737/mo in net income, 9.52% gross yield, 1.76 DSCR, all at $465,200. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $128,526 in appreciation and $4,285/yr in principal paydown projects total cumulative return of $224,196.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.5% |
| Monthly Cash Flow | $737 | $250 |
City averages based on Blue Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,691 |
| Total Monthly Debt Service | $2,769 |
| DSCR Ratio | 1.33x |
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.
Apartment
Built in N/A
0.50 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
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
Apartment
Built in N/A
0.50 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices