40 Pinewood Acres RdBowdoinME04287
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 40 Pinewood Acres Rd, Bowdoin, ME, 04287 in Bowdoin is the 1.55 coverage ratio: rent of $1,675/mo versus a $1,079/mo debt payment on a $239,900 property. Rental yield 8.38%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $66,280 by year five, with $2,210/yr in equity from paydown. Total projected cumulative return: $65,481.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.5% |
| Monthly Cash Flow | $(439) | $900 |
City averages based on Bowdoin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,675 |
| Total Monthly Debt Service | $2,019 |
| DSCR Ratio | 0.83x |
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.
Manufactured
Built in 2026
N/A lot
$N/A/sqft
$600 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04287, Bowdoin, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,284 (100%) |
| Owner Occupied HU | 1,110 (86.4%) |
| Renter Occupied HU | 122 ( 9.5%) |
| Vacant Housing Units | 52 ( 4.0%) |
| Median Home Value | $288,147 |
| Average Home Value | $310,119 |
Housing Distribution
Address Breakdown
Residential
1,243
Single Family
1,243
Multi-Family
0
Businesses
9
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
Manufactured
Built in 2026
N/A lot
$N/A/sqft
$600 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04287, Bowdoin, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,284 (100%) |
| Owner Occupied HU | 1,110 (86.4%) |
| Renter Occupied HU | 122 ( 9.5%) |
| Vacant Housing Units | 52 ( 4.0%) |
| Median Home Value | $288,147 |
| Average Home Value | $310,119 |
Housing Distribution
Address Breakdown
Residential
1,243
Single Family
1,243
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices