11727 Winding Creek DrBerlinMD21811
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 11727 Winding Creek Dr, Berlin, MD, 21811 in Berlin at $799,000 earns $5,149/mo in rent and nets $88/mo after the $3,593/mo payment, a 7.73% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $220,749 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $7,359/yr in principal paydown, total projected return reaches $309,135.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $88 | $280 |
City averages based on Berlin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,149 |
| Total Monthly Debt Service | $4,743 |
| DSCR Ratio | 1.09x |
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 2006
1.03 Acres lot
$N/A/sqft
$1,100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21811, Berlin, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,557 (100%) |
| Owner Occupied HU | 8,949 (54.0%) |
| Renter Occupied HU | 2,329 (14.1%) |
| Vacant Housing Units | 5,279 (31.9%) |
| Median Home Value | $402,871 |
| Average Home Value | $482,648 |
Housing Distribution
Address Breakdown
Residential
13,440
Single Family
11,760
Multi-Family
1,680
Businesses
837
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 2006
1.03 Acres lot
$N/A/sqft
$1,100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21811, Berlin, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,557 (100%) |
| Owner Occupied HU | 8,949 (54.0%) |
| Renter Occupied HU | 2,329 (14.1%) |
| Vacant Housing Units | 5,279 (31.9%) |
| Median Home Value | $402,871 |
| Average Home Value | $482,648 |
Housing Distribution
Address Breakdown
Residential
13,440
Single Family
11,760
Multi-Family
1,680
Businesses
837
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices