1040 Middlesex Rd, Baltimore, MD, 21221 | $686/mo Cash Flow

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1040 Middlesex Rd, Baltimore, MD, 21221 | $686/mo Cash Flow | Ziffy

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 Baltimore at 1040 Middlesex Rd, Baltimore, MD, 21221 generates $2,054/mo in rent and, after a $1,077/mo payment, leaves $686/mo in cash flow. Total monthly income is $2,054/mo, and annual cash flow is $8,226/yr on $72,927 invested. Return on cash invested sits at 31.19% in year one, and rental yield is 11.2% on a $219,990 entry. Equity gained on principal adds $1,420/yr, while 5% annual appreciation builds toward $60,779 over five years. Five-year ROI reaches 163.39% and total cumulative return in cash sums $119,156. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $2,054/mo property income rather than buyer’s personal income.

Townhouse

Built in 1955

2,614 sqft lot

$N/A/sqft

No HOA

More details about the property

Welcome to 1040 Middlesex Road, a charming brick rowhome that perfectly balances comfort, value, and opportunity. With three spacious bedrooms and one full bath, this home offers a layout that feels both open and inviting, giving you the freedom to design each space to suit your lifestyle. From the moment you arrive, the timeless curb appeal of the solid brick exterior draws you in, and once inside, youll immediately sense the warmth and potential that make this property such an exceptional find. The main level offers a light-filled living room that flows naturally into a dining space ready for gatherings both large and small. The kitchen, with its functional design, provides a seamless canvas for your culinary creativity, and youll easily imagine the aroma of home-cooked meals filling the air. Upstairs, three bedrooms offer comfort and privacy, each with plenty of natural light and storage, while the full bath is conveniently located to serve the entire household. The lower level provides additional flexibility, whether you choose to use it for storage, a workshop, or to finish it into extra living space. Out back, youll find a yard perfect for entertaining, gardening, or simply enjoying some fresh air in your own private retreat. What makes this home truly stand out is the balance it strikes: a desirable brick rowhome with plenty of charm, offered at a price point that makes sense in todays market. Inventory is tight, demand is high, and homes like this dont wait around for long which raises the simple question: if not this home, then which one? Whether youre a first-time buyer eager to put down roots, someone looking to downsize without compromise, or an investor searching for a strong opportunity, 1040 Middlesex Road checks all the boxes. Imagine the memories waiting to be created here, the ease of living in a home that simply makes sense, and the satisfaction of knowing you acted decisively when others hesitated. This is more than just a house; its a smart move. The only thing left to decide is how quickly you want to make it yours. Schedule your showing today and see why 1040 Middlesex Road is the opportunity youve been waiting for.

Neighborhood Data

Neighborhood data shown for ZIP Code: 21221, Essex, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	18,932 (100%)
Owner Occupied HU	10,323 (54.5%)
Renter Occupied HU	7,425 (39.2%)
Vacant Housing Units	1,184 ( 6.3%)
Median Home Value	$342,296
Average Home Value	$396,170