1158 Ontario CtOwingsMD20736
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1158 Ontario Ct, Owings, MD, 20736 in Owings: $3,844/mo in rent, $267/mo in net income, 8.02% gross yield, 1.49 DSCR, all at $575,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $158,862 in appreciation and $5,296/yr in principal paydown projects total cumulative return of $235,363.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.8% |
| Monthly Cash Flow | $267 | $650 |
City averages based on Owings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,844 |
| Total Monthly Debt Service | $3,347 |
| DSCR Ratio | 1.15x |
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.
Single Family
Built in 2002
2.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20736, Owings, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,004 (100%) |
| Owner Occupied HU | 2,697 (89.8%) |
| Renter Occupied HU | 200 ( 6.7%) |
| Vacant Housing Units | 107 ( 3.6%) |
| Median Home Value | $612,266 |
| Average Home Value | $632,405 |
Housing Distribution
Address Breakdown
Residential
2,989
Single Family
2,989
Multi-Family
0
Businesses
272
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 2002
2.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20736, Owings, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,004 (100%) |
| Owner Occupied HU | 2,697 (89.8%) |
| Renter Occupied HU | 200 ( 6.7%) |
| Vacant Housing Units | 107 ( 3.6%) |
| Median Home Value | $612,266 |
| Average Home Value | $632,405 |
Housing Distribution
Address Breakdown
Residential
2,989
Single Family
2,989
Multi-Family
0
Businesses
272
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices