12622 Council Oak DrWaldorfMD20601
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 12622 Council Oak Dr, Waldorf, MD, 20601 in Waldorf deserves attention. This $359,990 property earns $3,179/mo in rent, a 10.6% gross yield, and nets $928/mo after the $1,707/mo payment. DSCR 1.86 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $99,459 compounds alongside $3,018/yr in yearly equity build, for a total cumulative return of $190,292.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.5% |
| Monthly Cash Flow | $928 | $450 |
City averages based on Waldorf 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 | $3,179 |
| Total Monthly Debt Service | $2,184 |
| DSCR Ratio | 1.46x |
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 1983
10,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20601, Waldorf, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,824 (100%) |
| Owner Occupied HU | 7,825 (72.3%) |
| Renter Occupied HU | 2,545 (23.5%) |
| Vacant Housing Units | 454 ( 4.2%) |
| Median Home Value | $396,432 |
| Average Home Value | $436,443 |
Housing Distribution
Address Breakdown
Residential
10,603
Single Family
10,045
Multi-Family
558
Businesses
785
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
