7 Carter RdTroyME04987
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 7 Carter Rd, Troy, ME, 04987 in Troy. At $272,000 it earns $1,969/mo in rent and distributes $253/mo to the owner after the $1,223/mo payment, a consistent 8.69% yield. DSCR 1.61 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $75,149 in value; $2,505/yr in principal paydown compounds ownership stake. Total projected return: $119,534.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.0% |
| Monthly Cash Flow | $253 | $350 |
City averages based on Troy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,969 |
| Total Monthly Debt Service | $1,608 |
| DSCR Ratio | 1.22x |
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 N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04987, Troy, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 600 (100%) |
| Owner Occupied HU | 451 (75.2%) |
| Renter Occupied HU | 86 (14.3%) |
| Vacant Housing Units | 63 (10.5%) |
| Median Home Value | $199,107 |
| Average Home Value | $278,093 |
Housing Distribution
Address Breakdown
Residential
419
Single Family
419
Multi-Family
0
Businesses
18
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 N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04987, Troy, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 600 (100%) |
| Owner Occupied HU | 451 (75.2%) |
| Renter Occupied HU | 86 (14.3%) |
| Vacant Housing Units | 63 (10.5%) |
| Median Home Value | $199,107 |
| Average Home Value | $278,093 |
Housing Distribution
Address Breakdown
Residential
419
Single Family
419
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices