12 Chesham Ct #BCockeysvilleMD21030
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 12 Chesham Ct #B, Cockeysville, MD, 21030 in Cockeysville. At $395,000 it earns $2,675/mo in rent and distributes $218/mo to the owner after the $1,776/mo payment, a consistent 8.13% yield. DSCR 1.51 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $109,131 in value; $3,638/yr in principal paydown compounds ownership stake. Total projected return: $163,920.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.0% |
| Monthly Cash Flow | $218 | $300 |
City averages based on Cockeysville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,675 |
| Total Monthly Debt Service | $2,300 |
| DSCR Ratio | 1.16x |
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 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21030, Cockeysville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,506 (100%) |
| Owner Occupied HU | 4,980 (43.3%) |
| Renter Occupied HU | 5,761 (50.1%) |
| Vacant Housing Units | 765 ( 6.6%) |
| Median Home Value | $515,662 |
| Average Home Value | $610,841 |
Housing Distribution
Address Breakdown
Residential
11,478
Single Family
5,406
Multi-Family
6,072
Businesses
1,192
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 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21030, Cockeysville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,506 (100%) |
| Owner Occupied HU | 4,980 (43.3%) |
| Renter Occupied HU | 5,761 (50.1%) |
| Vacant Housing Units | 765 ( 6.6%) |
| Median Home Value | $515,662 |
| Average Home Value | $610,841 |
Housing Distribution
Address Breakdown
Residential
11,478
Single Family
5,406
Multi-Family
6,072
Businesses
1,192
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeffrey Patek • Samson Properties
Mls Name: Bright MLS
Mls ID: #MDBC2135412