115 Shine Smith RdSudlersvilleMD21668
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 115 Shine Smith Rd, Sudlersville, MD, 21668 in Sudlersville offers a clean, manageable entry. Rental yield 6.18%. DSCR 1.15 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $145,048 in additional property value over five years, with $4,835/yr in principal equity building ownership stake. Total projected cumulative return: $163,048.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 8.0% |
| Monthly Cash Flow | $(562) | $600 |
City averages based on Sudlersville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,704 |
| Total Monthly Debt Service | $3,056 |
| DSCR Ratio | 0.88x |
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 1969
25.87 Acres lot
$N/A/sqft
No HOA
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 1969
25.87 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Barbara Wallace • Long & Foster Real Estate, Inc.
Mls Name: Bright MLS
Mls ID: #MDQA2014556