12509 Laurel Grove PlGermantownMD20874
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.13% yield at 12509 Laurel Grove Pl, Germantown, MD, 20874 in Germantown is solid, but the $1,506/mo payment compresses net cash flow to $90/mo at $335,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $92,554 by year five, and $3,085/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.51) without U.S. income documentation. Total projected return: $139,081.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.8% |
| Monthly Cash Flow | $90 | $1,850 |
City averages based on Germantown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,269 |
| Total Monthly Debt Service | $1,950 |
| DSCR Ratio | 1.16x |
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.
Townhouse
Built in 1985
961 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
Townhouse
Built in 1985
961 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: Eric Coaxum • Samson Properties
Mls Name: Bright MLS
Mls ID: #MDMC2210256