45 Harbor RoadWinter HarborME04693
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.96% gross rental yield, 45 Harbor Road, Winter Harbor, ME, 04693 in Winter Harbor is priced for capital growth, not immediate cash flow. The $425,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $117,420 by year five, with $3,914/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.11) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $124,691.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.2% |
| Monthly Cash Flow | $(570) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,112 |
| Total Monthly Debt Service | $2,513 |
| 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 1925
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04693, Winter Harbor, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 500 (100%) |
| Owner Occupied HU | 193 (38.6%) |
| Renter Occupied HU | 61 (12.2%) |
| Vacant Housing Units | 246 (49.2%) |
| Median Home Value | $198,295 |
| Average Home Value | $407,837 |
Housing Distribution
Address Breakdown
Residential
118
Single Family
118
Multi-Family
0
Businesses
38
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 1925
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04693, Winter Harbor, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 500 (100%) |
| Owner Occupied HU | 193 (38.6%) |
| Renter Occupied HU | 61 (12.2%) |
| Vacant Housing Units | 246 (49.2%) |
| Median Home Value | $198,295 |
| Average Home Value | $407,837 |
Housing Distribution
Address Breakdown
Residential
118
Single Family
118
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Realty of Maine
Mls Name: Maine Listings
Mls Provider:
Mls ID: #1630377
Disclaimer: Listing data is derived in whole or in part from Maine Real Estate Information System, Inc. (d/b/a Maine Listings) and is for consumers' personal, noncommercial use only. Dimensions are approximate and not guaranteed. All data should be independently verified. 2025 Maine Real Estate Information System, Inc. All Rights Reserved. Equal Housing Opportunity. Zillow Inc. 415 Congress St #202 Portland, ME 04101 (207) 220-3782