1005 Gay StDentonMD21629
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1005 Gay St, Denton, MD, 21629 in Denton at $175,000 earns $1,242/mo in rent and nets $154/mo after the $787/mo payment, a 8.52% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $48,349 over five years. Ziffy Mortgage underwrites this on a 1.58 DSCR without U.S. credit history. With $1,612/yr in principal paydown, total projected return reaches $76,293.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.8% |
| Monthly Cash Flow | $154 | $750 |
City averages based on Denton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,242 |
| Total Monthly Debt Service | $1,019 |
| DSCR Ratio | 1.22x |
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 1985
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21629, Denton, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,010 (100%) |
| Owner Occupied HU | 2,727 (68.0%) |
| Renter Occupied HU | 998 (24.9%) |
| Vacant Housing Units | 285 ( 7.1%) |
| Median Home Value | $332,088 |
| Average Home Value | $383,294 |
Housing Distribution
Address Breakdown
Residential
3,909
Single Family
3,801
Multi-Family
108
Businesses
488
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 1985
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21629, Denton, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,010 (100%) |
| Owner Occupied HU | 2,727 (68.0%) |
| Renter Occupied HU | 998 (24.9%) |
| Vacant Housing Units | 285 ( 7.1%) |
| Median Home Value | $332,088 |
| Average Home Value | $383,294 |
Housing Distribution
Address Breakdown
Residential
3,909
Single Family
3,801
Multi-Family
108
Businesses
488
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices