30 Lewis RoadHermonME04401
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 30 Lewis Road, Hermon, ME, 04401 in Hermon is narrow, $66/mo net on $2,274/mo rent after the $1,573/mo debt service, but the property operates at break-even-plus, not a loss. At $349,900 with a 7.8% yield, the long-run equity case via 5% appreciation ($96,671 over five years) and $3,223/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.45 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $137,146.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.0% |
| Monthly Cash Flow | $66 | $1,200 |
City averages based on Hermon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,274 |
| Total Monthly Debt Service | $2,069 |
| DSCR Ratio | 1.10x |
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 1850
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04401, Bangor, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,989 (100%) |
| Owner Occupied HU | 11,478 (52.2%) |
| Renter Occupied HU | 8,838 (40.2%) |
| Vacant Housing Units | 1,673 ( 7.6%) |
| Median Home Value | $297,425 |
| Average Home Value | $331,226 |
Housing Distribution
Address Breakdown
Residential
20,842
Single Family
18,666
Multi-Family
2,176
Businesses
2,184
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 1850
1.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04401, Bangor, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,989 (100%) |
| Owner Occupied HU | 11,478 (52.2%) |
| Renter Occupied HU | 8,838 (40.2%) |
| Vacant Housing Units | 1,673 ( 7.6%) |
| Median Home Value | $297,425 |
| Average Home Value | $331,226 |
Housing Distribution
Address Breakdown
Residential
20,842
Single Family
18,666
Multi-Family
2,176
Businesses
2,184
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices