246 White Oak Hill RoadPolandME04274
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play246 White Oak Hill Road, Poland, ME, 04274 in Poland is priced for appreciation, not yield. Rental yield 4.58%. At $439,900 with a 4.58% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $121,536 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.85) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $96,512.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.1% |
| Monthly Cash Flow | $(1,096) | $900 |
City averages based on Poland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,680 |
| Total Monthly Debt Service | $2,601 |
| DSCR Ratio | 0.65x |
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 1940
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04274, Poland, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,935 (100%) |
| Owner Occupied HU | 2,103 (71.7%) |
| Renter Occupied HU | 327 (11.1%) |
| Vacant Housing Units | 505 (17.2%) |
| Median Home Value | $357,154 |
| Average Home Value | $393,459 |
Housing Distribution
Address Breakdown
Residential
2,487
Single Family
2,487
Multi-Family
0
Businesses
101
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 1940
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04274, Poland, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,935 (100%) |
| Owner Occupied HU | 2,103 (71.7%) |
| Renter Occupied HU | 327 (11.1%) |
| Vacant Housing Units | 505 (17.2%) |
| Median Home Value | $357,154 |
| Average Home Value | $393,459 |
Housing Distribution
Address Breakdown
Residential
2,487
Single Family
2,487
Multi-Family
0
Businesses
101
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices