101 Chartley DrReisterstownMD21136
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 101 Chartley Dr, Reisterstown, MD, 21136 in Reisterstown at $399,950 earns $2,646/mo in rent and nets $159/mo after the $1,798/mo payment, a 7.94% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $110,499 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $3,684/yr in principal paydown, total projected return reaches $161,981.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $159 | $850 |
City averages based on Reisterstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,646 |
| Total Monthly Debt Service | $2,328 |
| DSCR Ratio | 1.14x |
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 1959
9,919 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21136, Reisterstown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,998 (100%) |
| Owner Occupied HU | 9,995 (71.4%) |
| Renter Occupied HU | 3,338 (23.8%) |
| Vacant Housing Units | 665 ( 4.8%) |
| Median Home Value | $462,618 |
| Average Home Value | $529,704 |
Housing Distribution
Address Breakdown
Residential
13,666
Single Family
11,277
Multi-Family
2,389
Businesses
695
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 1959
9,919 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21136, Reisterstown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,998 (100%) |
| Owner Occupied HU | 9,995 (71.4%) |
| Renter Occupied HU | 3,338 (23.8%) |
| Vacant Housing Units | 665 ( 4.8%) |
| Median Home Value | $462,618 |
| Average Home Value | $529,704 |
Housing Distribution
Address Breakdown
Residential
13,666
Single Family
11,277
Multi-Family
2,389
Businesses
695
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gene Drubetskoy • EXP Realty, LLC
Mls Name: Bright MLS
Mls ID: #MDBC2129878