282 Gary Moore RoadEllsworthME04605
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 282 Gary Moore Road, Ellsworth, ME, 04605 in Ellsworth: $1,367/mo in rent, $269/mo in net income, 9.43% gross yield, 1.75 DSCR, all at $174,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $48,073 in appreciation and $1,603/yr in principal paydown projects total cumulative return of $83,429.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $269 | $420 |
City averages based on Ellsworth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,367 |
| Total Monthly Debt Service | $1,029 |
| DSCR Ratio | 1.33x |
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.
Manufactured
Built in 1972
3.11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04605, Ellsworth, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,069 (100%) |
| Owner Occupied HU | 4,752 (52.4%) |
| Renter Occupied HU | 1,780 (19.6%) |
| Vacant Housing Units | 2,537 (28.0%) |
| Median Home Value | $298,411 |
| Average Home Value | $372,243 |
Housing Distribution
Address Breakdown
Residential
6,940
Single Family
6,598
Multi-Family
342
Businesses
915
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
Manufactured
Built in 1972
3.11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04605, Ellsworth, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,069 (100%) |
| Owner Occupied HU | 4,752 (52.4%) |
| Renter Occupied HU | 1,780 (19.6%) |
| Vacant Housing Units | 2,537 (28.0%) |
| Median Home Value | $298,411 |
| Average Home Value | $372,243 |
Housing Distribution
Address Breakdown
Residential
6,940
Single Family
6,598
Multi-Family
342
Businesses
915
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices