315 Hopkins Pond RoadCliftonME04428
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 315 Hopkins Pond Road, Clifton, ME, 04428 in Clifton is narrow, $192/mo net on $1,847/mo rent after the $1,165/mo debt service, but the property operates at break-even-plus, not a loss. At $259,000 with a 8.56% yield, the long-run equity case via 5% appreciation ($71,557 over five years) and $2,385/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $110,789.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.0% |
| Monthly Cash Flow | $192 | $1,200 |
City averages based on Clifton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,847 |
| Total Monthly Debt Service | $1,552 |
| DSCR Ratio | 1.19x |
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.
Lot
Built in N/A
5.50 Acres lot
$N/A/sqft
$242 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04428, Eddington, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,546 (100%) |
| Owner Occupied HU | 1,092 (70.6%) |
| Renter Occupied HU | 216 (14.0%) |
| Vacant Housing Units | 238 (15.4%) |
| Median Home Value | $368,792 |
| Average Home Value | $390,188 |
Housing Distribution
Address Breakdown
Residential
1,355
Single Family
1,315
Multi-Family
40
Businesses
43
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
Lot
Built in N/A
5.50 Acres lot
$N/A/sqft
$242 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04428, Eddington, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,546 (100%) |
| Owner Occupied HU | 1,092 (70.6%) |
| Renter Occupied HU | 216 (14.0%) |
| Vacant Housing Units | 238 (15.4%) |
| Median Home Value | $368,792 |
| Average Home Value | $390,188 |
Housing Distribution
Address Breakdown
Residential
1,355
Single Family
1,315
Multi-Family
40
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices