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71 Amy St
D Composite 41.65
Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +9.5/30.0
  • ARV discount +7.5/15.0
  • Schools +6.9/10.0
  • 1% rule +5.1/10.0
  • Livability +3.9/5.0
  • DSCR +2.7/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +1.1/10.0

$159,900

71 Amy St · Auburn, ME 04274
3 bd · 2.0 ba · 1,232 sqft · Other public records · 3 Days on market
Built 2006 $400/mo HOA · 25% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

For Sale: 2006 Pine Grove Doublewide in Desirable Brookdale Village Welcome to this beautifully refreshed 3-bedroom, 2-bath home located in the highly sought-after Brookdale Village community. This 2006 Pine Grove doublewide has been recently updated with brand-new flooring and fresh paint throughout, making it truly move-in ready for its next owners. The home offers a practical and efficient single-level layout designed for comfortable everyday living. The spacious kitchen features real oak cabinetry and ample workspace, perfect for cooking and entertaining. The primary suite includes a walk-in closet and a private full bath, providing a relaxing retreat. Two additional bedrooms and a gue

Key facts

  • Parking
  • Built 2006
  • Listed 3 days

Property features AI

Finance

  • Other: Subdivision: Brookdale Village Mobile Home Park
  • Financial info: Land lease on the property
  • HOA & community: Has association; Association fee $400 monthly; Pets allowed (up to 2 pets; other restrictions apply)

Exterior

  • Parking: Paved parking with 1–4 spaces
  • Utilities: Public water; Quasi-public sewer; Utilities are on
  • Home design: Mobile home (double wide); Model G-1756 by Pine Grove; Built in 2006; Pitched shingle roof; Slab foundation
  • Construction: Wood frame with vinyl siding
  • Exterior features: Located in a mobile home park; Near golf course, public beach, shopping, and turnpike/interstate; Neighborhood setting; Level lot; Private paved road frontage

Interior

  • Kitchen: Refrigerator
  • Bedrooms: Bedroom 1 on the first floor; Bedroom 2 on the first floor; Bedroom 3 on the first floor
  • Flooring: Vinyl; Luxury vinyl
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Forced air heating; Circuit breaker electrical panel; Electric water heater
  • Interior features: One-floor living; First-floor primary bedroom with bath; First-floor bedroom; Walk-in closet(s); Unfurnished; Storm door(s); Double-pane windows; Cable and internet access available
  • Laundry & utility: Washer hookup on the main level

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath other listed at $160k.

Deal economics

  • At list price, monthly cash flow is $-111 ($-1k/yr) — negative.
  • To cash-flow at today's rent, offer at most $140k (12.3% below list).
  • Meets the 1% rule at list price ($2k rent vs $160k).
  • Recommended offer: $140k (12.3% below list) — sets the bar for cash-flow.

Location & tenants

  • Location reads 77/100 on livability (#30 in ME, #2,984 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, employment D+, amenities F.
  • RSU 16 (rural): math 79% / reading 83% proficiency, ranked #73 of 112 in ME (top 65%) — strong family-tenant draw, lease renewals of 3-5y typical.
  • Market conditions: 38 active listings in the ZIP; 358 units permitted in Androscoggin County in 2024 (57 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
  • Androscoggin County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

  • Only 3 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

  • Watch-outs: HOA is 25% of rent.
Recommended offer $140,234 (12.3% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
1.01%
Cap rate
5.46%
Cash-on-cash
-2.98%
DSCR
0.87
GRM
8.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
-21.1%
Equity multiple
0.27×
Total profit
$-32,801
Equity at exit
$23,842
10-year hold
IRR
-14.2%
Equity multiple
0.18×
Total profit
$-36,878
Equity at exit
$13,825

Cash invested: $44,772 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
41 Moderately Tenant-Leaning
State Maine
41 Moderately Tenant-Leaning · D+2
County
— inherits STATE
City
— inherits STATE
Portland has rent control referendum (2020); strong habitability; security deposit caps.

ZIP-level market 04274

Home prices YoY
-2.2%
Active inventory
38
Price-to-rent
8.2×

Monthly cashflow live

Estimated rent
$1,620 medium interval (Pro) →
Mortgage (P&I)
$839
Tax from tax record
$86 /mo · $1,031/yr
Insurance
$67
HOA
$400
Vacancy / Maint / Mgmt
$340
Net cashflow
$-111

Break-even live

Break-even rent $1,761
Max offer price $140,234
Occupancy floor

Sensitivity live

Price -10% $-21 -5% $-66 +0% $-111 +5% $-157 +10% $-202
Rent -10% $-239 -5% $-175 +0% $-111 +5% $-47 +10% $17
Rate -1.0pp $-31 -0.5pp $-71 base $-111 +0.5pp $-153 +1.0pp $-195

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$39,975
Closing costs
$4,797
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

HOA detail

Monthly dues
$400 · $4,800/yr

Listing history 4 events

  1. 2026-06-19
    days on market $159,900 Active 3 DOM
  2. 2026-06-18
    days on market $159,900 Active 2 DOM
  3. 2026-06-17
    remarks 699-char remark
  4. 2026-06-17
    listed $159,900 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast ME · Partial reset (capped growth)

Current annual tax
$1,031 · $86/mo
Projected year-2 tax
$1,603 · $134/mo
Expected delta
+$572/yr (+$48/mo · 55.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 3/10 Moderate 7 d/yr ≥94°F today · 14 d/yr by 30 yrs out
  • 💨 Wind 4/10 Moderate 12% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$19,439
− Mortgage interest
−$8,957
− Property taxes
−$1,031
− Insurance
−$800
− Repairs & maintenance
−$1,555
− Management
−$1,555
− HOA
−$4,800
− Depreciation
−$4,652
Taxable loss
−$3,910
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$938
After-tax cash flow
$-397/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
RSU 16
NCES district ID
2314775
Math proficiency
79% ▲ 40.00%
Reading proficiency
83% ▲ 29.00%
Median HH income
$58,651
Composite
69.31/100
National rank
#315
State rank
#73 of 112 in ME

Livability — Auburn

Score
77/100
State rank
#30
US rank
#2984

Category grades

Amenities F Commute B+ Cost of living A+ Crime C+ Employment D+ Housing A+ Health & safety A+ User ratings B+

Schools grade is shown separately in the Schools card above.

Census & demographics

City population
24,602
Population (ZIP)
5,920

Population outlook (Androscoggin County) Hauer SSP2

Today (2025)
103,965 people
By 2030
101,004 · -2.8%
By 2040
93,218 · -10.3%
By 2050
84,222 · -19.0%
By 2075
63,391 · -39.0%
By 2100
43,273 · -58.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (97%)
Race & ethnicity
White 97% Hispanic / Latino 1% Two or more races 1%
Common ancestry
Lithuanian 14% Slovak 7% Romanian 1%
Foreign-born
1% · Canada
Languages at home
97% English-only · French/Haitian/Cajun 2% Spanish 1%

Political lean MEDSL · Androscoggin

2024 margin
Lean R (+6.1) · D 45.9% · R 52.0% · Other 2.1%
2008→2024 swing
-21.3pp toward R · 2008: 15.2pp · 2024: -6.1pp
All cycles
2024: R+6.1 2020: R+2.8 2016: R+9.4 2012: D+12.8 2008: D+15.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -7.85%
Current HPI
350.5134
Rent YoY
Metro
State GDP YoY
F500 in state
0

Price history

1 event — show timeline
  • 2026-06-15 Listed $159,900 MREIS

Property tax history

+5.8%/yr

Latest (2024): $1,031 · +21.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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