1326 Bernoudy RdWhite HallMD21161
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1326 Bernoudy Rd, White Hall, MD, 21161 in White Hall. At $615,000 it earns $4,406/mo in rent and distributes $581/mo to the owner after the $2,765/mo payment, a consistent 8.6% yield. DSCR 1.59 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $169,913 in value; $5,664/yr in principal paydown compounds ownership stake. Total projected return: $270,734.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.8% |
| Monthly Cash Flow | $581 | $900 |
City averages based on White Hall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,406 |
| Total Monthly Debt Service | $3,580 |
| DSCR Ratio | 1.23x |
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 1996
4.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21161, White Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,958 (100%) |
| Owner Occupied HU | 1,680 (85.8%) |
| Renter Occupied HU | 186 ( 9.5%) |
| Vacant Housing Units | 92 ( 4.7%) |
| Median Home Value | $582,215 |
| Average Home Value | $610,385 |
Housing Distribution
Address Breakdown
Residential
2,076
Single Family
2,076
Multi-Family
0
Businesses
60
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 1996
4.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21161, White Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,958 (100%) |
| Owner Occupied HU | 1,680 (85.8%) |
| Renter Occupied HU | 186 ( 9.5%) |
| Vacant Housing Units | 92 ( 4.7%) |
| Median Home Value | $582,215 |
| Average Home Value | $610,385 |
Housing Distribution
Address Breakdown
Residential
2,076
Single Family
2,076
Multi-Family
0
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela Vavasori • Cummings & Co. Realtors
Mls Name: Bright MLS
Mls ID: #MDBC2143152