10976 Barnard PlWhite PlainsMD20695
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 10976 Barnard Pl, White Plains, MD, 20695 in White Plains: $3,474/mo in rent, $821/mo net, 10.09% gross yield, all on a $412,990 acquisition. The 1.87 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $114,102 in value, and $3,804/yr in principal paydown steadily builds equity. Projected total cumulative return: $214,923.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.5% |
| Monthly Cash Flow | $821 | $950 |
City averages based on White Plains market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,474 |
| Total Monthly Debt Service | $2,404 |
| DSCR Ratio | 1.44x |
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.
Townhouse
Built in 2025
2,483 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20695, White Plains, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,332 (100%) |
| Owner Occupied HU | 5,020 (79.3%) |
| Renter Occupied HU | 1,076 (17.0%) |
| Vacant Housing Units | 236 ( 3.7%) |
| Median Home Value | $465,092 |
| Average Home Value | $485,709 |
Housing Distribution
Address Breakdown
Residential
5,845
Single Family
5,538
Multi-Family
307
Businesses
501
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
Townhouse
Built in 2025
2,483 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20695, White Plains, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,332 (100%) |
| Owner Occupied HU | 5,020 (79.3%) |
| Renter Occupied HU | 1,076 (17.0%) |
| Vacant Housing Units | 236 ( 3.7%) |
| Median Home Value | $465,092 |
| Average Home Value | $485,709 |
Housing Distribution
Address Breakdown
Residential
5,845
Single Family
5,538
Multi-Family
307
Businesses
501
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amber Andrews • Keller Williams Preferred Properties
Mls Name: Bright MLS
Mls ID: #MDCH2051326