22 James Street, Saco, ME, 04072 | $122/mo Cash Flow

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

Home Type: Single Family

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22 James Street, Saco, ME, 04072 | $122/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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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Investment Highlights

Investment property for sale in Saco at 22 James Street, Saco, ME, 04072 with 5% annual appreciation on a $399,000 basis while $2,640/mo rent supports operations. Total monthly income totals $2,640/mo and a $1,953/mo payment preserves $122/mo for cash returns. Annual cash flow comes to $1,461/yr on $132,269 deployed, and return on cash invested reaches 21.01% in year one. Equity gained on principal adds $2,575/yr, and five-year appreciation sums $110,236 alongside rental yield of 7.94%. Five-year ROI measures 108.92% and total cumulative return in cash totals $144,062.

Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $2,640/mo property income versus a $1,953/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.

Single Family

Built in 1952

4,791 sqft lot

$N/A/sqft

No HOA

More details about the property

Blending timeless character with modern design, this 2025 renovation delivers the feel of a brand-new home with unmistakable Saco charm. Every inch has been redone - from the roof, windows, and insulation to the electrical, plumbing, heating, and finishes - giving you the peace of mind and freshness of a newly built home! Inside, the thoughtfully redesigned interior features an open-concept kitchen and living area with granite countertops, durable LVP flooring, and efficient heat pumps throughout. The spacious primary suite is located on the lower level and includes a private en-suite bath and walk-in closet. Upstairs, you'll find a second bedroom, a full bath with laundry, and a versatile BONUS ROOM - perfect for a home office, nursery, or cozy reading nook. Outside, the distinctive fieldstone exterior - a hallmark of Saco's Stone Village - gives the home enduring curb appeal that perfectly complements its modern updates. A large, partially fenced yard offers plenty of room for outdoor living, gardening, or play, while plentiful off-street parking (two driveways, one shared) adds everyday convenience. Walking distance to downtown Saco's restaurants, shops, and parks, this home is exactly what you have been waiting for.

Neighborhood Data

Neighborhood data shown for ZIP Code: 04072, Saco, ME area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	10,169 (100%)
Owner Occupied HU	6,451 (63.4%)
Renter Occupied HU	2,842 (27.9%)
Vacant Housing Units	876 ( 8.6%)
Median Home Value	$440,416
Average Home Value	$473,380