102 Stull CtThurmontMD21788
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 102 Stull Ct, Thurmont, MD, 21788 in Thurmont: $2,514/mo in rent, $592/mo in net income, 9.76% gross yield, 1.81 DSCR, all at $309,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $85,371 in appreciation and $2,846/yr in principal paydown projects total cumulative return of $155,360.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 5.1% |
| Monthly Cash Flow | $592 | $450 |
City averages based on Thurmont market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,514 |
| Total Monthly Debt Service | $1,799 |
| DSCR Ratio | 1.40x |
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.
Townhouse
Built in 1997
2,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21788, Thurmont, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,831 (100%) |
| Owner Occupied HU | 3,732 (77.3%) |
| Renter Occupied HU | 884 (18.3%) |
| Vacant Housing Units | 215 ( 4.5%) |
| Median Home Value | $439,496 |
| Average Home Value | $533,516 |
Housing Distribution
Address Breakdown
Residential
4,667
Single Family
4,570
Multi-Family
97
Businesses
262
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
Townhouse
Built in 1997
2,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21788, Thurmont, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,831 (100%) |
| Owner Occupied HU | 3,732 (77.3%) |
| Renter Occupied HU | 884 (18.3%) |
| Vacant Housing Units | 215 ( 4.5%) |
| Median Home Value | $439,496 |
| Average Home Value | $533,516 |
Housing Distribution
Address Breakdown
Residential
4,667
Single Family
4,570
Multi-Family
97
Businesses
262
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices