36 Andrea StreetLisbonME04250
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 36 Andrea Street, Lisbon, ME, 04250 in Lisbon fits: $349,000, 5.98% gross yield, and a projected 5% annual appreciation rate adding $96,422 in value within five years. Rental yield 5.98%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.11) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,214/yr in principal paydown and $96,422 in appreciation project a total return of $102,794.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.0% |
| Monthly Cash Flow | $(463) | $800 |
City averages based on Lisbon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,740 |
| Total Monthly Debt Service | $2,064 |
| DSCR Ratio | 0.84x |
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 1990
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04250, Lisbon, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,987 (100%) |
| Owner Occupied HU | 1,439 (72.4%) |
| Renter Occupied HU | 443 (22.3%) |
| Vacant Housing Units | 105 ( 5.3%) |
| Median Home Value | $247,578 |
| Average Home Value | $243,466 |
Housing Distribution
Address Breakdown
Residential
2,000
Single Family
1,880
Multi-Family
120
Businesses
93
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 1990
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04250, Lisbon, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,987 (100%) |
| Owner Occupied HU | 1,439 (72.4%) |
| Renter Occupied HU | 443 (22.3%) |
| Vacant Housing Units | 105 ( 5.3%) |
| Median Home Value | $247,578 |
| Average Home Value | $243,466 |
Housing Distribution
Address Breakdown
Residential
2,000
Single Family
1,880
Multi-Family
120
Businesses
93
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices