12 S Smallwood StBaltimoreMD21223








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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


Investment Highlights
Investment property for sale in Baltimore at 12 S Smallwood St, Baltimore, MD, 21223 with 5% annual appreciation on a $210,000 basis while $1,807/mo rent supports operations. Total monthly income totals $1,807/mo and a $1,028/mo payment preserves $501/mo for cash returns. Annual cash flow comes to $6,009/yr on $69,615 deployed, and return on cash invested reaches 28.54% in year one. Equity gained on principal adds $1,355/yr, and five-year appreciation sums $58,019 alongside rental yield of 10.33%. Five-year ROI measures 149.18% and total cumulative return in cash totals $103,852.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $1,807/mo property income versus a $1,028/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Townhouse
Built in 1920
980 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21223, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,976 (100%) |
| Owner Occupied HU | 2,644 (24.1%) |
| Renter Occupied HU | 5,226 (47.6%) |
| Vacant Housing Units | 3,106 (28.3%) |
| Median Home Value | $133,065 |
| Average Home Value | $205,327 |
Housing Distribution
Address Breakdown
Residential
8,996
Single Family
7,426
Multi-Family
1,570
Businesses
854
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