78 Victoria DriveWestbrookME04092
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 78 Victoria Drive, Westbrook, ME, 04092 in Westbrook at $535,000 earns $3,480/mo in rent and nets $98/mo after the $2,406/mo payment, a 7.81% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $147,811 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $4,927/yr in principal paydown, total projected return reaches $209,832.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $98 | $420 |
City averages based on Westbrook market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,480 |
| Total Monthly Debt Service | $3,164 |
| DSCR Ratio | 1.10x |
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 2005
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04092, Westbrook, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,635 (100%) |
| Owner Occupied HU | 5,818 (60.4%) |
| Renter Occupied HU | 3,482 (36.1%) |
| Vacant Housing Units | 335 ( 3.5%) |
| Median Home Value | $429,262 |
| Average Home Value | $476,999 |
Housing Distribution
Address Breakdown
Residential
9,188
Single Family
7,919
Multi-Family
1,269
Businesses
653
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
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04092, Westbrook, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,635 (100%) |
| Owner Occupied HU | 5,818 (60.4%) |
| Renter Occupied HU | 3,482 (36.1%) |
| Vacant Housing Units | 335 ( 3.5%) |
| Median Home Value | $429,262 |
| Average Home Value | $476,999 |
Housing Distribution
Address Breakdown
Residential
9,188
Single Family
7,919
Multi-Family
1,269
Businesses
653
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices