110 N Morris StOxfordMD21654
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 110 N Morris St, Oxford, MD, 21654 in Oxford the bet is firmly on appreciation. Rental yield 4.19%. The 4.19% gross yield on a $1,295,000 price is below income-first thresholds, but 5%/yr value growth projects $357,785 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.78) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $263,952.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.0% |
| Monthly Cash Flow | $(3,533) | $500 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,522 |
| Total Monthly Debt Service | $7,539 |
| DSCR Ratio | 0.60x |
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 1875
9,060 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21654, Oxford, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 391 (51.7%) |
| Renter Occupied HU | 80 (10.6%) |
| Vacant Housing Units | 285 (37.7%) |
| Median Home Value | $827,381 |
| Average Home Value | $990,294 |
Housing Distribution
Address Breakdown
Residential
461
Single Family
461
Multi-Family
0
Businesses
63
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 1875
9,060 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21654, Oxford, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 391 (51.7%) |
| Renter Occupied HU | 80 (10.6%) |
| Vacant Housing Units | 285 (37.7%) |
| Median Home Value | $827,381 |
| Average Home Value | $990,294 |
Housing Distribution
Address Breakdown
Residential
461
Single Family
461
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices