445 South StreetCalaisME04619
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow445 South Street, Calais, ME, 04619 in Calais is a top-tier cash-flow asset. At $224,900 it produces $2,088/mo in rent and $669/mo in net monthly income, a 11.14% gross rental yield. The DSCR of 2.07 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,023. Five-year appreciation adds $62,136, driving a total cumulative return of $128,475.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 8.0% |
| Monthly Cash Flow | $669 | $500 |
City averages based on Calais market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,088 |
| Total Monthly Debt Service | $1,330 |
| DSCR Ratio | 1.57x |
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.
Single Family
Built in 1948
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04619, Calais, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,689 (100%) |
| Owner Occupied HU | 824 (48.8%) |
| Renter Occupied HU | 520 (30.8%) |
| Vacant Housing Units | 345 (20.4%) |
| Median Home Value | $151,974 |
| Average Home Value | $178,331 |
Housing Distribution
Address Breakdown
Residential
1,398
Single Family
1,352
Multi-Family
46
Businesses
247
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 1948
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04619, Calais, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,689 (100%) |
| Owner Occupied HU | 824 (48.8%) |
| Renter Occupied HU | 520 (30.8%) |
| Vacant Housing Units | 345 (20.4%) |
| Median Home Value | $151,974 |
| Average Home Value | $178,331 |
Housing Distribution
Address Breakdown
Residential
1,398
Single Family
1,352
Multi-Family
46
Businesses
247
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices