533 Main StreetStonehamME04231
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 533 Main Street, Stoneham, ME, 04231 in Stoneham: $3,358/mo in rent, $205/mo in net income, 8.07% gross yield, 1.50 DSCR, all at $499,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $138,003 in appreciation and $4,600/yr in principal paydown projects total cumulative return of $202,927.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.5% |
| Monthly Cash Flow | $205 | $350 |
City averages based on Stoneham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,358 |
| Total Monthly Debt Service | $2,954 |
| DSCR Ratio | 1.14x |
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 2024
0.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04231, Stoneham, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 332 (100%) |
| Owner Occupied HU | 115 (34.6%) |
| Renter Occupied HU | 20 ( 6.0%) |
| Vacant Housing Units | 197 (59.3%) |
| Median Home Value | $336,111 |
| Average Home Value | $426,239 |
Housing Distribution
Address Breakdown
Residential
110
Single Family
110
Multi-Family
0
Businesses
10
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 2024
0.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04231, Stoneham, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 332 (100%) |
| Owner Occupied HU | 115 (34.6%) |
| Renter Occupied HU | 20 ( 6.0%) |
| Vacant Housing Units | 197 (59.3%) |
| Median Home Value | $336,111 |
| Average Home Value | $426,239 |
Housing Distribution
Address Breakdown
Residential
110
Single Family
110
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices