12208 Stoney Bottom RdGermantownMD20874
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 12208 Stoney Bottom Rd, Germantown, MD, 20874 in Germantown is a conservative rental investment at $659,000. Rental yield 6.95%. A 1.29 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $182,070; $6,069/yr in principal paydown supplements. Total projected return: $231,806.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 5.8% |
| Monthly Cash Flow | $(302) | $1,850 |
City averages based on Germantown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,816 |
| Total Monthly Debt Service | $3,836 |
| DSCR Ratio | 0.99x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1987
8,781 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20874, Germantown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,362 (100%) |
| Owner Occupied HU | 14,669 (60.2%) |
| Renter Occupied HU | 8,767 (36.0%) |
| Vacant Housing Units | 926 ( 3.8%) |
| Median Home Value | $481,522 |
| Average Home Value | $561,766 |
Housing Distribution
Address Breakdown
Residential
24,451
Single Family
17,681
Multi-Family
6,770
Businesses
632
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 1987
8,781 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20874, Germantown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,362 (100%) |
| Owner Occupied HU | 14,669 (60.2%) |
| Renter Occupied HU | 8,767 (36.0%) |
| Vacant Housing Units | 926 ( 3.8%) |
| Median Home Value | $481,522 |
| Average Home Value | $561,766 |
Housing Distribution
Address Breakdown
Residential
24,451
Single Family
17,681
Multi-Family
6,770
Businesses
632
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDMC2218438