1304 Cougar LnCapitol HeightsMD20743
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1304 Cougar Ln, Capitol Heights, MD, 20743 in Capitol Heights is priced for appreciation, not yield. Rental yield 2.53%. At $888,000 with a 2.53% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $245,338 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.47) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $101,780.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.8% |
| Monthly Cash Flow | $(3,653) | $450 |
City averages based on Capitol Heights market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,870 |
| Total Monthly Debt Service | $5,170 |
| DSCR Ratio | 0.36x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2022
9,164 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20743, Capitol Heights, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,846 (100%) |
| Owner Occupied HU | 10,155 (60.3%) |
| Renter Occupied HU | 5,681 (33.7%) |
| Vacant Housing Units | 1,010 ( 6.0%) |
| Median Home Value | $363,975 |
| Average Home Value | $386,914 |
Housing Distribution
Address Breakdown
Residential
15,931
Single Family
12,527
Multi-Family
3,404
Businesses
1,161
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 2022
9,164 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20743, Capitol Heights, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,846 (100%) |
| Owner Occupied HU | 10,155 (60.3%) |
| Renter Occupied HU | 5,681 (33.7%) |
| Vacant Housing Units | 1,010 ( 6.0%) |
| Median Home Value | $363,975 |
| Average Home Value | $386,914 |
Housing Distribution
Address Breakdown
Residential
15,931
Single Family
12,527
Multi-Family
3,404
Businesses
1,161
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices