10028 Stedwick RdMontgomery VillageMD20886
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 10028 Stedwick Rd, Montgomery Village, MD, 20886 in Montgomery Village fits: $325,000, 4.95% gross yield, and a projected 5% annual appreciation rate adding $89,792 in value within five years. Rental yield 4.95%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.92) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,993/yr in principal paydown and $89,792 in appreciation project a total return of $79,626.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.0% |
| Monthly Cash Flow | $(709) | $800 |
City averages based on Montgomery Village market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,342 |
| Total Monthly Debt Service | $1,892 |
| DSCR Ratio | 0.71x |
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.
Condo
Built in 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20886, Montgomery Village, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,638 (100%) |
| Owner Occupied HU | 8,423 (66.6%) |
| Renter Occupied HU | 3,772 (29.8%) |
| Vacant Housing Units | 443 ( 3.5%) |
| Median Home Value | $408,841 |
| Average Home Value | $465,457 |
Housing Distribution
Address Breakdown
Residential
12,603
Single Family
9,660
Multi-Family
2,943
Businesses
377
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 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20886, Montgomery Village, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,638 (100%) |
| Owner Occupied HU | 8,423 (66.6%) |
| Renter Occupied HU | 3,772 (29.8%) |
| Vacant Housing Units | 443 ( 3.5%) |
| Median Home Value | $408,841 |
| Average Home Value | $465,457 |
Housing Distribution
Address Breakdown
Residential
12,603
Single Family
9,660
Multi-Family
2,943
Businesses
377
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDMC2222220