63 Silvaqua RoadOtisfieldME04270
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.31% yield at 63 Silvaqua Road, Otisfield, ME, 04270 in Otisfield is solid, but the $1,079/mo payment compresses net cash flow to $139/mo at $240,000. 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 $66,308 by year five, and $2,210/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.54) without U.S. income documentation. Total projected return: $100,614.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.0% |
| Monthly Cash Flow | $139 | $900 |
City averages based on Otisfield 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 | $1,662 |
| Total Monthly Debt Service | $1,419 |
| 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 2024
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04270, Oxford, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,633 (100%) |
| Owner Occupied HU | 2,186 (60.2%) |
| Renter Occupied HU | 418 (11.5%) |
| Vacant Housing Units | 1,029 (28.3%) |
| Median Home Value | $242,096 |
| Average Home Value | $301,215 |
Housing Distribution
Address Breakdown
Residential
2,753
Single Family
2,689
Multi-Family
64
Businesses
182
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
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04270, Oxford, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,633 (100%) |
| Owner Occupied HU | 2,186 (60.2%) |
| Renter Occupied HU | 418 (11.5%) |
| Vacant Housing Units | 1,029 (28.3%) |
| Median Home Value | $242,096 |
| Average Home Value | $301,215 |
Housing Distribution
Address Breakdown
Residential
2,753
Single Family
2,689
Multi-Family
64
Businesses
182
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices