32 Perry LaneCarmelME04419
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 32 Perry Lane, Carmel, ME, 04419 in Carmel fits: $799,000, 4.17% gross yield, and a projected 5% annual appreciation rate adding $220,749 in value within five years. Rental yield 4.17%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.77) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,359/yr in principal paydown and $220,749 in appreciation project a total return of $157,443.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 7.0% |
| Monthly Cash Flow | $(2,268) | $500 |
City averages based on Carmel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,774 |
| Total Monthly Debt Service | $4,725 |
| DSCR Ratio | 0.59x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2003
100 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04419, Carmel, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,249 (100%) |
| Owner Occupied HU | 929 (74.4%) |
| Renter Occupied HU | 231 (18.5%) |
| Vacant Housing Units | 89 ( 7.1%) |
| Median Home Value | $288,904 |
| Average Home Value | $310,011 |
Housing Distribution
Address Breakdown
Residential
1,186
Single Family
1,186
Multi-Family
0
Businesses
46
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 2003
100 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04419, Carmel, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,249 (100%) |
| Owner Occupied HU | 929 (74.4%) |
| Renter Occupied HU | 231 (18.5%) |
| Vacant Housing Units | 89 ( 7.1%) |
| Median Home Value | $288,904 |
| Average Home Value | $310,011 |
Housing Distribution
Address Breakdown
Residential
1,186
Single Family
1,186
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • StartPoint Realty
Mls Name: Maine Listings
Mls Provider:
Mls ID: #1593589
Disclaimer: Listing data is derived in whole or in part from Maine Real Estate Information System, Inc. (d/b/a Maine Listings) and is for consumers' personal, noncommercial use only. Dimensions are approximate and not guaranteed. All data should be independently verified. 2025 Maine Real Estate Information System, Inc. All Rights Reserved. Equal Housing Opportunity. Zillow Inc. 415 Congress St #202 Portland, ME 04101 (207) 220-3782