405 Avon Valley RoadPhillipsME04966
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 405 Avon Valley Road, Phillips, ME, 04966 in Phillips. Priced at $135,000, it generates $2,298/mo in gross rent and $1,446/mo in net monthly cash flow, a 20.43% yield that comfortably supports the 3.79 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $17,352. Five-year appreciation: $37,298. Equity from principal paydown: $1,243/yr. Total projected cumulative return: $144,326.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 20.4% | 5.2% |
| Monthly Cash Flow | $1,446 | $1,400 |
City averages based on Phillips market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,298 |
| Total Monthly Debt Service | $798 |
| DSCR Ratio | 2.88x |
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.
Manufactured
Built in 1986
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04966, Phillips, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,304 (100%) |
| Owner Occupied HU | 641 (49.2%) |
| Renter Occupied HU | 119 ( 9.1%) |
| Vacant Housing Units | 544 (41.7%) |
| Median Home Value | $217,628 |
| Average Home Value | $257,383 |
Housing Distribution
Address Breakdown
Residential
667
Single Family
647
Multi-Family
20
Businesses
36
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 1986
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04966, Phillips, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,304 (100%) |
| Owner Occupied HU | 641 (49.2%) |
| Renter Occupied HU | 119 ( 9.1%) |
| Vacant Housing Units | 544 (41.7%) |
| Median Home Value | $217,628 |
| Average Home Value | $257,383 |
Housing Distribution
Address Breakdown
Residential
667
Single Family
647
Multi-Family
20
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices