12630 Grosstown RdHughesvilleMD20637
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 12630 Grosstown Rd, Hughesville, MD, 20637 in Hughesville worth modelling. At $550,000 with a 7.56% gross yield, the $3,464/mo rent leaves $44/mo after the $2,473/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.40 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $151,955 by year five; $5,066/yr in principal reduction adds further equity. Total projected return: $211,458.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 7.0% |
| Monthly Cash Flow | $44 | $350 |
City averages based on Hughesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,464 |
| Total Monthly Debt Service | $3,202 |
| DSCR Ratio | 1.08x |
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 1991
3.65 Acres lot
$N/A/sqft
No HOA
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 1991
3.65 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kelly Niland Mahaffee • Home Towne Real Estate
Mls Name: Bright MLS
Mls ID: #MDCH2050848