221 Main StreetMadisonME04950
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 221 Main Street, Madison, ME, 04950 in Madison. Priced at $168,000, it generates $1,916/mo in gross rent and $856/mo in net monthly cash flow, a 13.69% yield that comfortably supports the 2.54 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,273. Five-year appreciation: $46,415. Equity from principal paydown: $1,547/yr. Total projected cumulative return: $118,875.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.7% | 6.1% |
| Monthly Cash Flow | $856 | $550 |
City averages based on Madison market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,916 |
| Total Monthly Debt Service | $993 |
| DSCR Ratio | 1.93x |
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.
Multi Family
Built in 1940
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04950, Madison, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,448 (100%) |
| Owner Occupied HU | 1,512 (61.8%) |
| Renter Occupied HU | 553 (22.6%) |
| Vacant Housing Units | 383 (15.6%) |
| Median Home Value | $158,716 |
| Average Home Value | $228,649 |
Housing Distribution
Address Breakdown
Residential
2,128
Single Family
2,128
Multi-Family
0
Businesses
157
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
Multi Family
Built in 1940
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04950, Madison, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,448 (100%) |
| Owner Occupied HU | 1,512 (61.8%) |
| Renter Occupied HU | 553 (22.6%) |
| Vacant Housing Units | 383 (15.6%) |
| Median Home Value | $158,716 |
| Average Home Value | $228,649 |
Housing Distribution
Address Breakdown
Residential
2,128
Single Family
2,128
Multi-Family
0
Businesses
157
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices