1310 Hughes Shop RdWestminsterMD21158
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 1310 Hughes Shop Rd, Westminster, MD, 21158 in Westminster, $549,900, 7.66% gross yield, $89/mo net income. Consider it a market-entry position, the $3,509/mo rent covers the $2,473/mo payment with a margin, and 5%/yr appreciation is projected to add $151,927 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.42) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $214,317.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $89 | $350 |
City averages based on Westminster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,509 |
| Total Monthly Debt Service | $3,201 |
| DSCR Ratio | 1.10x |
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 1986
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21158, Westminster, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,060 (100%) |
| Owner Occupied HU | 6,334 (78.6%) |
| Renter Occupied HU | 1,386 (17.2%) |
| Vacant Housing Units | 340 ( 4.2%) |
| Median Home Value | $444,306 |
| Average Home Value | $497,359 |
Housing Distribution
Address Breakdown
Residential
8,010
Single Family
7,474
Multi-Family
536
Businesses
429
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 1986
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21158, Westminster, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,060 (100%) |
| Owner Occupied HU | 6,334 (78.6%) |
| Renter Occupied HU | 1,386 (17.2%) |
| Vacant Housing Units | 340 ( 4.2%) |
| Median Home Value | $444,306 |
| Average Home Value | $497,359 |
Housing Distribution
Address Breakdown
Residential
8,010
Single Family
7,474
Multi-Family
536
Businesses
429
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Edward Treadwell • VYBE Realty
Mls Name: Bright MLS
Mls ID: #MDCR2029596