5 Cardinal LaneWindhamME04062
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 5 Cardinal Lane, Windham, ME, 04062 in Windham at $449,999 earns $2,964/mo in rent and nets $99/mo after the $2,023/mo payment, a 7.9% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $124,326 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $4,145/yr in principal paydown, total projected return reaches $178,896.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 3.8% |
| Monthly Cash Flow | $99 | $1,850 |
City averages based on Windham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,964 |
| Total Monthly Debt Service | $2,661 |
| DSCR Ratio | 1.11x |
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 2010
1.52 Acres lot
$N/A/sqft
No HOA
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 2010
1.52 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices