1239C Baldwin Mill RdJarrettsvilleMD21084
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1239C Baldwin Mill Rd, Jarrettsville, MD, 21084 in Jarrettsville. At $785,000 it earns $5,270/mo in rent and distributes $388/mo to the owner after the $3,530/mo payment, a consistent 8.06% yield. DSCR 1.49 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $216,881 in value; $7,230/yr in principal paydown compounds ownership stake. Total projected return: $322,682.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $388 | $800 |
City averages based on Jarrettsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,270 |
| Total Monthly Debt Service | $4,570 |
| DSCR Ratio | 1.15x |
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 2019
2.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21084, Jarrettsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,880 (100%) |
| Owner Occupied HU | 2,657 (92.3%) |
| Renter Occupied HU | 147 ( 5.1%) |
| Vacant Housing Units | 76 ( 2.6%) |
| Median Home Value | $564,276 |
| Average Home Value | $595,400 |
Housing Distribution
Address Breakdown
Residential
2,740
Single Family
2,740
Multi-Family
0
Businesses
227
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 2019
2.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21084, Jarrettsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,880 (100%) |
| Owner Occupied HU | 2,657 (92.3%) |
| Renter Occupied HU | 147 ( 5.1%) |
| Vacant Housing Units | 76 ( 2.6%) |
| Median Home Value | $564,276 |
| Average Home Value | $595,400 |
Housing Distribution
Address Breakdown
Residential
2,740
Single Family
2,740
Multi-Family
0
Businesses
227
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mark Richa • Cummings & Co. Realtors
Mls Name: Bright MLS
Mls ID: #MDHR2045334