307 Route 41WinthropME04364
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 307 Route 41, Winthrop, ME, 04364 in Winthrop. At $620,000 it earns $4,402/mo in rent and distributes $489/mo to the owner after the $2,788/mo payment, a consistent 8.52% yield. DSCR 1.58 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $171,295 in value; $5,710/yr in principal paydown compounds ownership stake. Total projected return: $266,904.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.2% |
| Monthly Cash Flow | $489 | $550 |
City averages based on Winthrop market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,402 |
| Total Monthly Debt Service | $3,666 |
| DSCR Ratio | 1.20x |
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 1784
18.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04364, Winthrop, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,338 (100%) |
| Owner Occupied HU | 2,097 (62.8%) |
| Renter Occupied HU | 585 (17.5%) |
| Vacant Housing Units | 656 (19.7%) |
| Median Home Value | $304,345 |
| Average Home Value | $347,047 |
Housing Distribution
Address Breakdown
Residential
2,747
Single Family
2,716
Multi-Family
31
Businesses
231
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 1784
18.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04364, Winthrop, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,338 (100%) |
| Owner Occupied HU | 2,097 (62.8%) |
| Renter Occupied HU | 585 (17.5%) |
| Vacant Housing Units | 656 (19.7%) |
| Median Home Value | $304,345 |
| Average Home Value | $347,047 |
Housing Distribution
Address Breakdown
Residential
2,747
Single Family
2,716
Multi-Family
31
Businesses
231
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices