10785 Friendsville RdFriendsvilleMD21531
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 10785 Friendsville Rd, Friendsville, MD, 21531 in Friendsville is a conservative rental investment at $249,000. Rental yield 6.86%. A 1.27 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $68,794; $2,293/yr in principal paydown supplements. Total projected return: $86,397.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 8.0% |
| Monthly Cash Flow | $(125) | $350 |
City averages based on Friendsville 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 | $1,423 |
| Total Monthly Debt Service | $1,450 |
| DSCR Ratio | 0.98x |
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 1950
9.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21531, Friendsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,185 (100%) |
| Owner Occupied HU | 725 (61.2%) |
| Renter Occupied HU | 204 (17.2%) |
| Vacant Housing Units | 256 (21.6%) |
| Median Home Value | $264,431 |
| Average Home Value | $302,497 |
Housing Distribution
Address Breakdown
Residential
836
Single Family
836
Multi-Family
0
Businesses
54
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 1950
9.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21531, Friendsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,185 (100%) |
| Owner Occupied HU | 725 (61.2%) |
| Renter Occupied HU | 204 (17.2%) |
| Vacant Housing Units | 256 (21.6%) |
| Median Home Value | $264,431 |
| Average Home Value | $302,497 |
Housing Distribution
Address Breakdown
Residential
836
Single Family
836
Multi-Family
0
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDGA2011560