81 Gail Lane #81YarmouthME04096
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 81 Gail Lane #81, Yarmouth, ME, 04096 in Yarmouth. At $440,000 it earns $2,998/mo in rent and distributes $221/mo to the owner after the $1,979/mo payment, a consistent 8.18% yield. DSCR 1.51 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $121,564 in value; $4,052/yr in principal paydown compounds ownership stake. Total projected return: $181,289.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.8% |
| Monthly Cash Flow | $221 | $850 |
City averages based on Yarmouth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,998 |
| Total Monthly Debt Service | $2,602 |
| DSCR Ratio | 1.15x |
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.
Condo
Built in 1986
29.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04096, Yarmouth, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,971 (100%) |
| Owner Occupied HU | 2,788 (70.2%) |
| Renter Occupied HU | 891 (22.4%) |
| Vacant Housing Units | 292 ( 7.4%) |
| Median Home Value | $688,427 |
| Average Home Value | $748,146 |
Housing Distribution
Address Breakdown
Residential
3,890
Single Family
3,840
Multi-Family
50
Businesses
616
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
Condo
Built in 1986
29.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04096, Yarmouth, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,971 (100%) |
| Owner Occupied HU | 2,788 (70.2%) |
| Renter Occupied HU | 891 (22.4%) |
| Vacant Housing Units | 292 ( 7.4%) |
| Median Home Value | $688,427 |
| Average Home Value | $748,146 |
Housing Distribution
Address Breakdown
Residential
3,890
Single Family
3,840
Multi-Family
50
Businesses
616
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices