27 Valley StreetPattenME04765
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow27 Valley Street, Patten, ME, 04765 in Patten earns its strong cash-flow label: 10.37% yield, $2,072/mo rent, $558/mo net income, DSCR 1.92. The $239,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $66,280 by year five. Combined with $2,210/yr in principal paydown, total projected return reaches $127,041.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 7.5% |
| Monthly Cash Flow | $558 | $400 |
City averages based on Patten market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,072 |
| Total Monthly Debt Service | $1,419 |
| DSCR Ratio | 1.46x |
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 1974
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04765, Patten, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 929 (100%) |
| Owner Occupied HU | 426 (45.9%) |
| Renter Occupied HU | 93 (10.0%) |
| Vacant Housing Units | 410 (44.1%) |
| Median Home Value | $213,333 |
| Average Home Value | $259,577 |
Housing Distribution
Address Breakdown
Residential
318
Single Family
283
Multi-Family
35
Businesses
56
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 1974
0.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04765, Patten, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 929 (100%) |
| Owner Occupied HU | 426 (45.9%) |
| Renter Occupied HU | 93 (10.0%) |
| Vacant Housing Units | 410 (44.1%) |
| Median Home Value | $213,333 |
| Average Home Value | $259,577 |
Housing Distribution
Address Breakdown
Residential
318
Single Family
283
Multi-Family
35
Businesses
56
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices