12118 Still Pond Creek RdWortonMD21678
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $585,000, 12118 Still Pond Creek Rd, Worton, MD, 21678 in Worton generates $3,744/mo in rent (7.68% yield) but nets only $106/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.42) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $161,625. Total projected return: $228,663.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.5% |
| Monthly Cash Flow | $106 | $250 |
City averages based on Worton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,744 |
| Total Monthly Debt Service | $3,406 |
| DSCR Ratio | 1.10x |
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 1972
6.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21678, Worton, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 794 (69.2%) |
| Renter Occupied HU | 154 (13.4%) |
| Vacant Housing Units | 199 (17.3%) |
| Median Home Value | $329,299 |
| Average Home Value | $431,014 |
Housing Distribution
Address Breakdown
Residential
964
Single Family
964
Multi-Family
0
Businesses
44
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 1972
6.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21678, Worton, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 794 (69.2%) |
| Renter Occupied HU | 154 (13.4%) |
| Vacant Housing Units | 199 (17.3%) |
| Median Home Value | $329,299 |
| Average Home Value | $431,014 |
Housing Distribution
Address Breakdown
Residential
964
Single Family
964
Multi-Family
0
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices