13512 Shrewsbury CtCharlotte HallMD20622
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 13512 Shrewsbury Ct, Charlotte Hall, MD, 20622 in Charlotte Hall is listed at $624,900 and delivers $5,086/mo in rent and $1,199/mo in net monthly cash flow. The 9.77% yield and 1.81 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $172,648 over five years, and $5,755/yr in principal reduction supplements cash return. Total projected cumulative return: $314,197.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 7.0% |
| Monthly Cash Flow | $1,199 | $1,200 |
City averages based on Charlotte Hall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,086 |
| Total Monthly Debt Service | $3,638 |
| DSCR Ratio | 1.40x |
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 2003
1.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20622, Charlotte Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,510 (100%) |
| Owner Occupied HU | 1,293 (85.6%) |
| Renter Occupied HU | 158 (10.5%) |
| Vacant Housing Units | 59 ( 3.9%) |
| Median Home Value | $451,262 |
| Average Home Value | $478,823 |
Housing Distribution
Address Breakdown
Residential
1,560
Single Family
1,560
Multi-Family
0
Businesses
254
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 2003
1.72 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20622, Charlotte Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,510 (100%) |
| Owner Occupied HU | 1,293 (85.6%) |
| Renter Occupied HU | 158 (10.5%) |
| Vacant Housing Units | 59 ( 3.9%) |
| Median Home Value | $451,262 |
| Average Home Value | $478,823 |
Housing Distribution
Address Breakdown
Residential
1,560
Single Family
1,560
Multi-Family
0
Businesses
254
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDCH2051850