10793 Symphony Way Unit 202ColumbiaMD21044
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 10793 Symphony Way Unit 202, Columbia, MD, 21044 in Columbia achieves 1.67, rent of $3,227/mo covers the $1,934/mo payment 1.5x over at $430,000. Rental yield 9.01%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $118,801 over five years, with $3,960/yr in principal reduction bringing total projected return to $198,681.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.1% |
| Monthly Cash Flow | $(188) | $1,850 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,227 |
| Total Monthly Debt Service | $2,503 |
| DSCR Ratio | 1.29x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 2000
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21044, Columbia, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,678 (100%) |
| Owner Occupied HU | 11,050 (53.4%) |
| Renter Occupied HU | 8,488 (41.0%) |
| Vacant Housing Units | 1,140 ( 5.5%) |
| Median Home Value | $629,747 |
| Average Home Value | $657,495 |
Housing Distribution
Address Breakdown
Residential
20,145
Single Family
12,915
Multi-Family
7,230
Businesses
1,105
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
Condo
Built in 2000
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21044, Columbia, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,678 (100%) |
| Owner Occupied HU | 11,050 (53.4%) |
| Renter Occupied HU | 8,488 (41.0%) |
| Vacant Housing Units | 1,140 ( 5.5%) |
| Median Home Value | $629,747 |
| Average Home Value | $657,495 |
Housing Distribution
Address Breakdown
Residential
20,145
Single Family
12,915
Multi-Family
7,230
Businesses
1,105
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices