57 Hartland RoadSaint AlbansME04971
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.27% yield at 57 Hartland Road, Saint Albans, ME, 04971 in Saint Albans is solid, but the $1,327/mo payment compresses net cash flow to $172/mo at $295,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $81,503 by year five, and $2,717/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.53) without U.S. income documentation. Total projected return: $123,114.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.5% |
| Monthly Cash Flow | $172 | $850 |
City averages based on Saint Albans market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,034 |
| Total Monthly Debt Service | $1,744 |
| DSCR Ratio | 1.17x |
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 2007
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04971, Saint Albans, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,327 (100%) |
| Owner Occupied HU | 746 (56.2%) |
| Renter Occupied HU | 159 (12.0%) |
| Vacant Housing Units | 422 (31.8%) |
| Median Home Value | $228,736 |
| Average Home Value | $270,298 |
Housing Distribution
Address Breakdown
Residential
786
Single Family
770
Multi-Family
16
Businesses
30
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 2007
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04971, Saint Albans, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,327 (100%) |
| Owner Occupied HU | 746 (56.2%) |
| Renter Occupied HU | 159 (12.0%) |
| Vacant Housing Units | 422 (31.8%) |
| Median Home Value | $228,736 |
| Average Home Value | $270,298 |
Housing Distribution
Address Breakdown
Residential
786
Single Family
770
Multi-Family
16
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Maine Listings
Mls ID: #1663195