1014 Bernoudy RdWhite HallMD21161
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1014 Bernoudy Rd, White Hall, MD, 21161 in White Hall is priced for appreciation, not yield. Rental yield 5.96%. At $949,900 with a 5.96% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $262,440 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.10) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $283,602.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.8% |
| Monthly Cash Flow | $(1,193) | $900 |
City averages based on White Hall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,715 |
| Total Monthly Debt Service | $5,530 |
| DSCR Ratio | 0.85x |
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.
Single Family
Built in 2000
1.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21161, White Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,958 (100%) |
| Owner Occupied HU | 1,680 (85.8%) |
| Renter Occupied HU | 186 ( 9.5%) |
| Vacant Housing Units | 92 ( 4.7%) |
| Median Home Value | $582,215 |
| Average Home Value | $610,385 |
Housing Distribution
Address Breakdown
Residential
2,076
Single Family
2,076
Multi-Family
0
Businesses
60
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 2000
1.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21161, White Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,958 (100%) |
| Owner Occupied HU | 1,680 (85.8%) |
| Renter Occupied HU | 186 ( 9.5%) |
| Vacant Housing Units | 92 ( 4.7%) |
| Median Home Value | $582,215 |
| Average Home Value | $610,385 |
Housing Distribution
Address Breakdown
Residential
2,076
Single Family
2,076
Multi-Family
0
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: James Dickerson • Keller Williams Gateway LLC
Mls Name: Bright MLS
Mls ID: #MDBC2137036