260 County RoadLubecME04652
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 260 County Road, Lubec, ME, 04652 in Lubec at $139,000 earns $1,048/mo in rent and nets $171/mo after the $625/mo payment, a 9.05% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $38,403 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $1,280/yr in principal paydown, total projected return reaches $63,836.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.0% |
| Monthly Cash Flow | $171 | $500 |
City averages based on Lubec market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,048 |
| Total Monthly Debt Service | $822 |
| DSCR Ratio | 1.28x |
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.
Single Family
Built in N/A
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04652, Lubec, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,328 (100%) |
| Owner Occupied HU | 635 (47.8%) |
| Renter Occupied HU | 144 (10.8%) |
| Vacant Housing Units | 549 (41.3%) |
| Median Home Value | $215,046 |
| Average Home Value | $237,472 |
Housing Distribution
Address Breakdown
Residential
903
Single Family
902
Multi-Family
1
Businesses
84
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 N/A
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04652, Lubec, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,328 (100%) |
| Owner Occupied HU | 635 (47.8%) |
| Renter Occupied HU | 144 (10.8%) |
| Vacant Housing Units | 549 (41.3%) |
| Median Home Value | $215,046 |
| Average Home Value | $237,472 |
Housing Distribution
Address Breakdown
Residential
903
Single Family
902
Multi-Family
1
Businesses
84
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices