74 Guinea RoadBiddefordME04005
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 74 Guinea Road, Biddeford, ME, 04005 in Biddeford earns a 8.78% gross yield at $514,900. Rent of $3,767/mo nets $517/mo after the $2,315/mo mortgage. The 1.63 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $142,257 and $4,742/yr in equity accumulation project a total cumulative return of $228,852.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 3.6% |
| Monthly Cash Flow | $517 | $1,850 |
City averages based on Biddeford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,767 |
| Total Monthly Debt Service | $3,045 |
| DSCR Ratio | 1.24x |
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 1974
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04005, Biddeford, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,793 (100%) |
| Owner Occupied HU | 5,606 (47.5%) |
| Renter Occupied HU | 5,202 (44.1%) |
| Vacant Housing Units | 985 ( 8.4%) |
| Median Home Value | $455,712 |
| Average Home Value | $523,001 |
Housing Distribution
Address Breakdown
Residential
11,059
Single Family
10,077
Multi-Family
982
Businesses
987
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 1974
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04005, Biddeford, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,793 (100%) |
| Owner Occupied HU | 5,606 (47.5%) |
| Renter Occupied HU | 5,202 (44.1%) |
| Vacant Housing Units | 985 ( 8.4%) |
| Median Home Value | $455,712 |
| Average Home Value | $523,001 |
Housing Distribution
Address Breakdown
Residential
11,059
Single Family
10,077
Multi-Family
982
Businesses
987
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices