12420 Smith LnKeymarMD21757
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 12420 Smith Ln, Keymar, MD, 21757 in Keymar, $575,000, 7.62% gross yield, $77/mo net income. Consider it a market-entry position, the $3,653/mo rent covers the $2,586/mo payment with a margin, and 5%/yr appreciation is projected to add $158,862 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.41) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $223,063.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $77 | $750 |
City averages based on Keymar market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,653 |
| Total Monthly Debt Service | $3,347 |
| DSCR Ratio | 1.09x |
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 1988
8.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21757, Keymar, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,279 (100%) |
| Owner Occupied HU | 981 (76.7%) |
| Renter Occupied HU | 227 (17.7%) |
| Vacant Housing Units | 71 ( 5.6%) |
| Median Home Value | $582,965 |
| Average Home Value | $703,073 |
Housing Distribution
Address Breakdown
Residential
1,092
Single Family
1,092
Multi-Family
0
Businesses
46
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 1988
8.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21757, Keymar, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,279 (100%) |
| Owner Occupied HU | 981 (76.7%) |
| Renter Occupied HU | 227 (17.7%) |
| Vacant Housing Units | 71 ( 5.6%) |
| Median Home Value | $582,965 |
| Average Home Value | $703,073 |
Housing Distribution
Address Breakdown
Residential
1,092
Single Family
1,092
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices