21 Cliff DriveWindhamME04062
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 21 Cliff Drive, Windham, ME, 04062 in Windham is capital appreciation. Rental yield 2.92%. The 2.92% gross yield at $889,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $245,614 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.54) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $115,512.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 3.8% |
| Monthly Cash Flow | $(3,451) | $1,850 |
City averages based on Windham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $5,257 |
| DSCR Ratio | 0.41x |
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 2021
3.94 Acres lot
$N/A/sqft
No HOA
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 2021
3.94 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices