103 Washington StFrostburgMD21532
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Frostburg rental at 103 Washington St, Frostburg, MD, 21532 sits in the solid-income band: 10.48% gross yield, $1,441/mo rent, $415/mo net after the $782/mo debt service, DSCR 1.84. Entry price of $165,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $45,586 and $1,383/yr in principal reduction bring total cumulative return to $86,229.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 7.0% |
| Monthly Cash Flow | $415 | $250 |
City averages based on Frostburg market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,441 |
| Total Monthly Debt Service | $1,001 |
| DSCR Ratio | 1.44x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1920
3,478 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21532, Frostburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,786 (100%) |
| Owner Occupied HU | 3,755 (55.3%) |
| Renter Occupied HU | 1,936 (28.5%) |
| Vacant Housing Units | 1,095 (16.1%) |
| Median Home Value | $194,526 |
| Average Home Value | $248,376 |
Housing Distribution
Address Breakdown
Residential
6,433
Single Family
6,052
Multi-Family
381
Businesses
330
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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
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