628 Cathance RoadTopshamME04086
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 628 Cathance Road, Topsham, ME, 04086 in Topsham fits: $719,000, 5.92% gross yield, and a projected 5% annual appreciation rate adding $198,646 in value within five years. Rental yield 5.92%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.04) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,027/yr in principal paydown and $198,646 in appreciation project a total return of $195,791.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 7.0% |
| Monthly Cash Flow | $(991) | $350 |
City averages based on Topsham 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 | $3,547 |
| Total Monthly Debt Service | $4,427 |
| DSCR Ratio | 0.80x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1830
4.10 Acres lot
$N/A/sqft
No HOA
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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
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