100 W Division StOxfordMD21654
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Oxford rental at 100 W Division St, Oxford, MD, 21654 sits in the solid-income band: 8.23% gross yield, $3,018/mo rent, $281/mo net after the $1,979/mo debt service, DSCR 1.53. Entry price of $440,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $121,564 and $4,052/yr in principal reduction bring total cumulative return to $184,973.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $281 | $500 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,018 |
| Total Monthly Debt Service | $2,562 |
| DSCR Ratio | 1.18x |
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 1976
9,812 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21654, Oxford, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 391 (51.7%) |
| Renter Occupied HU | 80 (10.6%) |
| Vacant Housing Units | 285 (37.7%) |
| Median Home Value | $827,381 |
| Average Home Value | $990,294 |
Housing Distribution
Address Breakdown
Residential
461
Single Family
461
Multi-Family
0
Businesses
63
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 1976
9,812 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21654, Oxford, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 391 (51.7%) |
| Renter Occupied HU | 80 (10.6%) |
| Vacant Housing Units | 285 (37.7%) |
| Median Home Value | $827,381 |
| Average Home Value | $990,294 |
Housing Distribution
Address Breakdown
Residential
461
Single Family
461
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices