12628 Fork RdForkMD21051
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis Fork rental at 12628 Fork Rd, Fork, MD, 21051 sits in the solid-income band: 7.91% gross yield, $4,548/mo rent, $257/mo net after the $3,102/mo debt service, DSCR 1.47. Entry price of $689,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $190,607 and $6,354/yr in principal reduction bring total cumulative return to $278,241.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.0% |
| Monthly Cash Flow | $257 | $450 |
City averages based on Fork market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,548 |
| Total Monthly Debt Service | $4,016 |
| DSCR Ratio | 1.13x |
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 1924
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21051, Fork, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 141 (100%) |
| Owner Occupied HU | 133 (94.3%) |
| Renter Occupied HU | 6 ( 4.3%) |
| Vacant Housing Units | 2 ( 1.4%) |
| Median Home Value | $638,672 |
| Average Home Value | $696,992 |
Housing Distribution
Address Breakdown
Residential
109
Single Family
109
Multi-Family
0
Businesses
14
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 1924
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21051, Fork, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 141 (100%) |
| Owner Occupied HU | 133 (94.3%) |
| Renter Occupied HU | 6 ( 4.3%) |
| Vacant Housing Units | 2 ( 1.4%) |
| Median Home Value | $638,672 |
| Average Home Value | $696,992 |
Housing Distribution
Address Breakdown
Residential
109
Single Family
109
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices