11775 Over Creek CtIssueMD20645
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Issue rental at 11775 Over Creek Ct, Issue, MD, 20645 sits in the solid-income band: 8.55% gross yield, $3,563/mo rent, $376/mo net after the $2,248/mo debt service, DSCR 1.58. Entry price of $500,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $138,141 and $4,605/yr in principal reduction bring total cumulative return to $218,871.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.2% |
| Monthly Cash Flow | $376 | $350 |
City averages based on Issue market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,563 |
| Total Monthly Debt Service | $2,911 |
| DSCR Ratio | 1.22x |
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 1984
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20645, Issue, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 351 (100%) |
| Owner Occupied HU | 288 (82.1%) |
| Renter Occupied HU | 38 (10.8%) |
| Vacant Housing Units | 25 ( 7.1%) |
| Median Home Value | $608,766 |
| Average Home Value | $620,139 |
Housing Distribution
Address Breakdown
Residential
348
Single Family
348
Multi-Family
0
Businesses
6
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 1984
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20645, Issue, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 351 (100%) |
| Owner Occupied HU | 288 (82.1%) |
| Renter Occupied HU | 38 (10.8%) |
| Vacant Housing Units | 25 ( 7.1%) |
| Median Home Value | $608,766 |
| Average Home Value | $620,139 |
Housing Distribution
Address Breakdown
Residential
348
Single Family
348
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices