10322 Charles St, La Plata, MD, 20646 | $314/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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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Investment Highlights

Rental property for sale in La Plata at 10322 Charles St, La Plata, MD, 20646 generates $3,112/mo in rent and, after a $2,202/mo payment, leaves $314/mo in cash flow. Total monthly income is $3,112/mo, and annual cash flow is $3,767/yr on $149,142 invested. Return on cash invested sits at 22.43% in year one, and rental yield is 8.3% on a $449,900 entry. Equity gained on principal adds $2,903/yr, while 5% annual appreciation builds toward $124,299 over five years. Five-year ROI reaches 116.42% and total cumulative return in cash sums $173,626. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $3,112/mo property income rather than buyer’s personal income.

Single Family

Built in 1970

0.99 Acres lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 20646, La Plata, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	8,606 (100%)
Owner Occupied HU	6,894 (80.1%)
Renter Occupied HU	1,353 (15.7%)
Vacant Housing Units	359 ( 4.2%)
Median Home Value	$485,791
Average Home Value	$513,060