13670 Charles StCharlotte HallMD20622
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 13670 Charles St, Charlotte Hall, MD, 20622 in Charlotte Hall at $449,000 earns $2,964/mo in rent and nets $171/mo after the $2,019/mo payment, a 7.92% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $124,050 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $4,135/yr in principal paydown, total projected return reaches $181,388.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.0% |
| Monthly Cash Flow | $171 | $1,200 |
City averages based on Charlotte Hall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,964 |
| Total Monthly Debt Service | $2,614 |
| DSCR Ratio | 1.13x |
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 1979
2.76 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 1979
2.76 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: #MDCH2051530