26 Regency Circle UNIT 4KitteryME03904
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 26 Regency Circle UNIT 4, Kittery, ME, 03904 in Kittery worth study. Rental yield 5.83%. The 5.83% gross yield is below cash-flow benchmarks at $568,500, but 5% annual appreciation, adding $157,066 over five years, frames this as a capital growth position. Rent of $2,760/mo partially offsets the $2,556/mo payment. Ziffy Mortgage finances appreciation-play properties (1.08 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $144,753.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 7.3% |
| Monthly Cash Flow | $(1,126) | $1,200 |
City averages based on Kittery market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $3,660 |
| DSCR Ratio | 0.75x |
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.
Condo
Built in 2024
13.56 Acres lot
$N/A/sqft
$298 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03904, Kittery, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,413 (100%) |
| Owner Occupied HU | 2,410 (54.6%) |
| Renter Occupied HU | 1,466 (33.2%) |
| Vacant Housing Units | 537 (12.2%) |
| Median Home Value | $553,355 |
| Average Home Value | $593,606 |
Housing Distribution
Address Breakdown
Residential
4,022
Single Family
3,639
Multi-Family
383
Businesses
437
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
Condo
Built in 2024
13.56 Acres lot
$N/A/sqft
$298 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 03904, Kittery, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,413 (100%) |
| Owner Occupied HU | 2,410 (54.6%) |
| Renter Occupied HU | 1,466 (33.2%) |
| Vacant Housing Units | 537 (12.2%) |
| Median Home Value | $553,355 |
| Average Home Value | $593,606 |
Housing Distribution
Address Breakdown
Residential
4,022
Single Family
3,639
Multi-Family
383
Businesses
437
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices