9 Hemlock DriveCumberlandME04021
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.5% gross rental yield, 9 Hemlock Drive, Cumberland, ME, 04021 in Cumberland is priced for capital growth, not immediate cash flow. The $961,500 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $265,645 by year five, with $8,856/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.95) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $238,727.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 5.2% |
| Monthly Cash Flow | $(1,543) | $350 |
City averages based on Cumberland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,105 |
| Total Monthly Debt Service | $5,686 |
| DSCR Ratio | 0.72x |
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.
Single Family
Built in 1987
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04021, Cumberland Center, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,700 (100%) |
| Owner Occupied HU | 2,321 (86.0%) |
| Renter Occupied HU | 281 (10.4%) |
| Vacant Housing Units | 98 ( 3.6%) |
| Median Home Value | $638,582 |
| Average Home Value | $699,176 |
Housing Distribution
Address Breakdown
Residential
2,606
Single Family
2,566
Multi-Family
40
Businesses
165
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 1987
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 04021, Cumberland Center, ME area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,700 (100%) |
| Owner Occupied HU | 2,321 (86.0%) |
| Renter Occupied HU | 281 (10.4%) |
| Vacant Housing Units | 98 ( 3.6%) |
| Median Home Value | $638,582 |
| Average Home Value | $699,176 |
Housing Distribution
Address Breakdown
Residential
2,606
Single Family
2,566
Multi-Family
40
Businesses
165
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Portside Real Estate Group
Mls Name: Maine Listings
Mls Provider:
Mls ID: #1626532
Disclaimer: Listing data is derived in whole or in part from Maine Real Estate Information System, Inc. (d/b/a Maine Listings) and is for consumers' personal, noncommercial use only. Dimensions are approximate and not guaranteed. All data should be independently verified. 2025 Maine Real Estate Information System, Inc. All Rights Reserved. Equal Housing Opportunity. Zillow Inc. 415 Congress St #202 Portland, ME 04101 (207) 220-3782