1235 Old Pylesville RdWhitefordMD21160
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 1235 Old Pylesville Rd, Whiteford, MD, 21160 in Whiteford worth modelling. At $385,000 with a 7.97% gross yield, the $2,558/mo rent leaves $164/mo after the $1,825/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.40 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $106,368 by year five; $3,227/yr in principal reduction adds further equity. Total projected return: $149,321.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.0% |
| Monthly Cash Flow | $164 | $400 |
City averages based on Whiteford market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,558 |
| Total Monthly Debt Service | $2,335 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1930
3.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21160, Whiteford, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 970 (100%) |
| Owner Occupied HU | 762 (78.6%) |
| Renter Occupied HU | 163 (16.8%) |
| Vacant Housing Units | 45 ( 4.6%) |
| Median Home Value | $537,383 |
| Average Home Value | $544,915 |
Housing Distribution
Address Breakdown
Residential
938
Single Family
938
Multi-Family
0
Businesses
80
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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
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