111 1st StOxfordMD21654
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 111 1st St, Oxford, MD, 21654 in Oxford is capital appreciation. Rental yield 3%. The 3% gross yield at $1,695,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $468,297 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.56) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $237,406.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.0% |
| Monthly Cash Flow | $(6,302) | $500 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,240 |
| Total Monthly Debt Service | $9,868 |
| DSCR Ratio | 0.43x |
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 1988
0.33 Acres 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 1988
0.33 Acres 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