11407 Tolkien AveWaldorfMD20695
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 11407 Tolkien Ave, Waldorf, MD, 20695 in Waldorf worth modelling. At $490,000 with a 7.86% gross yield, the $3,371/mo rent leaves $102/mo after the $2,203/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.53 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $135,378 by year five; $4,513/yr in principal reduction adds further equity. Total projected return: $190,675.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.5% |
| Monthly Cash Flow | $102 | $450 |
City averages based on Waldorf market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,371 |
| Total Monthly Debt Service | $3,120 |
| DSCR Ratio | 1.08x |
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 2018
2,396 sqft lot
$N/A/sqft
$67 monthly 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 2018
2,396 sqft lot
$N/A/sqft
$67 monthly 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