550 Main RoadPhippsburgME04562
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play550 Main Road, Phippsburg, ME, 04562 in Phippsburg is priced for appreciation, not yield. Rental yield 4.36%. At $759,000 with a 4.36% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $209,698 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.81) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $157,568.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 5.5% |
| Monthly Cash Flow | $(2,030) | $450 |
City averages based on Phippsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $4,488 |
| DSCR Ratio | 0.61x |
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 1868
4.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04562, Phippsburg, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,837 (100%) |
| Owner Occupied HU | 897 (48.8%) |
| Renter Occupied HU | 106 ( 5.8%) |
| Vacant Housing Units | 834 (45.4%) |
| Median Home Value | $443,333 |
| Average Home Value | $508,138 |
Housing Distribution
Address Breakdown
Residential
1,010
Single Family
1,010
Multi-Family
0
Businesses
39
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 1868
4.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04562, Phippsburg, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,837 (100%) |
| Owner Occupied HU | 897 (48.8%) |
| Renter Occupied HU | 106 ( 5.8%) |
| Vacant Housing Units | 834 (45.4%) |
| Median Home Value | $443,333 |
| Average Home Value | $508,138 |
Housing Distribution
Address Breakdown
Residential
1,010
Single Family
1,010
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Coldwell Banker Realty
Mls Name: Maine Listings
Mls ID: #1638480