632 Rocky Knoll RoadDenmarkME04022
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 632 Rocky Knoll Road, Denmark, ME, 04022 in Denmark is capital appreciation. Rental yield 2.62%. The 2.62% gross yield at $825,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $227,932 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.49) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $94,064.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 5.0% |
| Monthly Cash Flow | $(3,407) | $300 |
City averages based on Denmark market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,800 |
| Total Monthly Debt Service | $4,878 |
| DSCR Ratio | 0.37x |
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 2005
10.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04022, Denmark, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,106 (100%) |
| Owner Occupied HU | 460 (41.6%) |
| Renter Occupied HU | 45 ( 4.1%) |
| Vacant Housing Units | 601 (54.3%) |
| Median Home Value | $346,237 |
| Average Home Value | $415,337 |
Housing Distribution
Address Breakdown
Residential
559
Single Family
559
Multi-Family
0
Businesses
28
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 2005
10.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04022, Denmark, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,106 (100%) |
| Owner Occupied HU | 460 (41.6%) |
| Renter Occupied HU | 45 ( 4.1%) |
| Vacant Housing Units | 601 (54.3%) |
| Median Home Value | $346,237 |
| Average Home Value | $415,337 |
Housing Distribution
Address Breakdown
Residential
559
Single Family
559
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices