85-87 Church StreetLivermore FallsME04254
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 85-87 Church Street, Livermore Falls, ME, 04254 in Livermore Falls worth study. Rental yield 3.97%. The 3.97% gross yield is below cash-flow benchmarks at $399,000, but 5% annual appreciation, adding $110,236 over five years, frames this as a capital growth position. Rent of $1,320/mo partially offsets the $1,794/mo payment. Ziffy Mortgage finances appreciation-play properties (0.74 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $74,429.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.0% |
| Monthly Cash Flow | $(1,198) | $350 |
City averages based on Livermore Falls market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,320 |
| Total Monthly Debt Service | $2,359 |
| DSCR Ratio | 0.56x |
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.
Multi Family
Built in 1900
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04254, Livermore Falls, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,474 (100%) |
| Owner Occupied HU | 881 (59.8%) |
| Renter Occupied HU | 429 (29.1%) |
| Vacant Housing Units | 164 (11.1%) |
| Median Home Value | $160,511 |
| Average Home Value | $188,286 |
Housing Distribution
Address Breakdown
Residential
1,391
Single Family
1,298
Multi-Family
93
Businesses
86
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
Multi Family
Built in 1900
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04254, Livermore Falls, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,474 (100%) |
| Owner Occupied HU | 881 (59.8%) |
| Renter Occupied HU | 429 (29.1%) |
| Vacant Housing Units | 164 (11.1%) |
| Median Home Value | $160,511 |
| Average Home Value | $188,286 |
Housing Distribution
Address Breakdown
Residential
1,391
Single Family
1,298
Multi-Family
93
Businesses
86
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Coldwell Banker Sandy River Realty
Mls Name: Maine Listings
Mls ID: #1642313