12161 Catalina DrLusbyMD20657
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 12161 Catalina Dr, Lusby, MD, 20657 in Lusby at $429,900 earns $2,700/mo in rent and nets $26/mo after the $1,933/mo payment, a 7.54% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $118,773 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $3,959/yr in principal paydown, total projected return reaches $164,796.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.5% |
| Monthly Cash Flow | $26 | $320 |
City averages based on Lusby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,700 |
| Total Monthly Debt Service | $2,503 |
| DSCR Ratio | 1.08x |
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 2025
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20657, Lusby, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,087 (100%) |
| Owner Occupied HU | 6,053 (74.8%) |
| Renter Occupied HU | 1,232 (15.2%) |
| Vacant Housing Units | 802 ( 9.9%) |
| Median Home Value | $367,668 |
| Average Home Value | $430,451 |
Housing Distribution
Address Breakdown
Residential
7,243
Single Family
7,100
Multi-Family
143
Businesses
202
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 2025
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20657, Lusby, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,087 (100%) |
| Owner Occupied HU | 6,053 (74.8%) |
| Renter Occupied HU | 1,232 (15.2%) |
| Vacant Housing Units | 802 ( 9.9%) |
| Median Home Value | $367,668 |
| Average Home Value | $430,451 |
Housing Distribution
Address Breakdown
Residential
7,243
Single Family
7,100
Multi-Family
143
Businesses
202
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices