13870 Hunt Valley CtCockeysvilleMD21030
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 13870 Hunt Valley Ct, Cockeysville, MD, 21030 in Cockeysville at $651,485, 3.98% gross yield, is a market-growth asset. Rental yield 3.98%. The $2,160/mo rent partially funds the $2,929/mo debt service; the core return is the 5%/yr price growth projected to add $179,993 over five years. Ziffy Mortgage's DSCR mortgage (0.74) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $118,639.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 5.0% |
| Monthly Cash Flow | $(2,005) | $300 |
City averages based on Cockeysville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $3,906 |
| DSCR Ratio | 0.55x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Townhouse
Built in 2024
2,400 sqft lot
$N/A/sqft
$113 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21030, Cockeysville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,506 (100%) |
| Owner Occupied HU | 4,980 (43.3%) |
| Renter Occupied HU | 5,761 (50.1%) |
| Vacant Housing Units | 765 ( 6.6%) |
| Median Home Value | $515,662 |
| Average Home Value | $610,841 |
Housing Distribution
Address Breakdown
Residential
11,478
Single Family
5,406
Multi-Family
6,072
Businesses
1,192
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
Townhouse
Built in 2024
2,400 sqft lot
$N/A/sqft
$113 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21030, Cockeysville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,506 (100%) |
| Owner Occupied HU | 4,980 (43.3%) |
| Renter Occupied HU | 5,761 (50.1%) |
| Vacant Housing Units | 765 ( 6.6%) |
| Median Home Value | $515,662 |
| Average Home Value | $610,841 |
Housing Distribution
Address Breakdown
Residential
11,478
Single Family
5,406
Multi-Family
6,072
Businesses
1,192
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices