13753 Frazier RdSmithsburgMD21783
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.06% yield at 13753 Frazier Rd, Smithsburg, MD, 21783 in Smithsburg is solid, but the $1,394/mo payment compresses net cash flow to $154/mo at $310,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $85,647 by year five, and $2,855/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.49) without U.S. income documentation. Total projected return: $127,524.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $154 | $350 |
City averages based on Smithsburg market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,082 |
| Total Monthly Debt Service | $1,805 |
| DSCR Ratio | 1.15x |
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.
Manufactured
Built in 1988
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21783, Smithsburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,725 (100%) |
| Owner Occupied HU | 2,870 (77.0%) |
| Renter Occupied HU | 630 (16.9%) |
| Vacant Housing Units | 225 ( 6.0%) |
| Median Home Value | $384,360 |
| Average Home Value | $456,208 |
Housing Distribution
Address Breakdown
Residential
3,283
Single Family
3,283
Multi-Family
0
Businesses
134
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
Manufactured
Built in 1988
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21783, Smithsburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,725 (100%) |
| Owner Occupied HU | 2,870 (77.0%) |
| Renter Occupied HU | 630 (16.9%) |
| Vacant Housing Units | 225 ( 6.0%) |
| Median Home Value | $384,360 |
| Average Home Value | $456,208 |
Housing Distribution
Address Breakdown
Residential
3,283
Single Family
3,283
Multi-Family
0
Businesses
134
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Donald Truett • Preferred Realty LLc
Mls Name: Bright MLS
Mls ID: #MDWA2031338