10305 Armory AveKensingtonMD20895
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.5% gross rental yield, 10305 Armory Ave, Kensington, MD, 20895 in Kensington is priced for capital growth, not immediate cash flow. The $1,135,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $313,580 by year five, with $10,453/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.83) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $250,280.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.0% |
| Monthly Cash Flow | $(2,802) | $350 |
City averages based on Kensington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,258 |
| Total Monthly Debt Service | $6,608 |
| DSCR Ratio | 0.64x |
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 1920
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20895, Kensington, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,739 (100%) |
| Owner Occupied HU | 5,980 (77.3%) |
| Renter Occupied HU | 1,463 (18.9%) |
| Vacant Housing Units | 296 ( 3.8%) |
| Median Home Value | $821,665 |
| Average Home Value | $893,088 |
Housing Distribution
Address Breakdown
Residential
7,492
Single Family
6,796
Multi-Family
696
Businesses
751
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 1920
7,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20895, Kensington, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,739 (100%) |
| Owner Occupied HU | 5,980 (77.3%) |
| Renter Occupied HU | 1,463 (18.9%) |
| Vacant Housing Units | 296 ( 3.8%) |
| Median Home Value | $821,665 |
| Average Home Value | $893,088 |
Housing Distribution
Address Breakdown
Residential
7,492
Single Family
6,796
Multi-Family
696
Businesses
751
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Beczak • Realty Advantage of Maryland LLC
Mls Name: Bright MLS
Mls ID: #MDMC2210680