391 School StreetUnityME04988
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.58% gross rental yield, 391 School Street, Unity, ME, 04988 in Unity is priced for capital growth, not immediate cash flow. The $550,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $151,955 by year five, with $5,066/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.85) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $120,558.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.2% |
| Monthly Cash Flow | $(1,372) | $350 |
City averages based on Unity market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,099 |
| Total Monthly Debt Service | $3,252 |
| DSCR Ratio | 0.65x |
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.
Multi Family
Built in 1900
1.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04988, Unity, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 919 (100%) |
| Owner Occupied HU | 506 (55.1%) |
| Renter Occupied HU | 248 (27.0%) |
| Vacant Housing Units | 165 (18.0%) |
| Median Home Value | $338,158 |
| Average Home Value | $393,394 |
Housing Distribution
Address Breakdown
Residential
637
Single Family
582
Multi-Family
55
Businesses
97
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
Multi Family
Built in 1900
1.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04988, Unity, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 919 (100%) |
| Owner Occupied HU | 506 (55.1%) |
| Renter Occupied HU | 248 (27.0%) |
| Vacant Housing Units | 165 (18.0%) |
| Median Home Value | $338,158 |
| Average Home Value | $393,394 |
Housing Distribution
Address Breakdown
Residential
637
Single Family
582
Multi-Family
55
Businesses
97
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices