1404 Cotton CtCrownsvilleMD21032
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1404 Cotton Ct, Crownsville, MD, 21032 in Crownsville. At $795,000 it earns $5,650/mo in rent and distributes $705/mo to the owner after the $3,575/mo payment, a consistent 8.53% yield. DSCR 1.58 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $219,644 in value; $7,322/yr in principal paydown compounds ownership stake. Total projected return: $346,953.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.8% |
| Monthly Cash Flow | $705 | $350 |
City averages based on Crownsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,650 |
| Total Monthly Debt Service | $4,628 |
| DSCR Ratio | 1.22x |
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 1987
2.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21032, Crownsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,651 (100%) |
| Owner Occupied HU | 3,109 (85.2%) |
| Renter Occupied HU | 326 ( 8.9%) |
| Vacant Housing Units | 216 ( 5.9%) |
| Median Home Value | $760,248 |
| Average Home Value | $839,619 |
Housing Distribution
Address Breakdown
Residential
3,553
Single Family
3,552
Multi-Family
1
Businesses
203
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 1987
2.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21032, Crownsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,651 (100%) |
| Owner Occupied HU | 3,109 (85.2%) |
| Renter Occupied HU | 326 ( 8.9%) |
| Vacant Housing Units | 216 ( 5.9%) |
| Median Home Value | $760,248 |
| Average Home Value | $839,619 |
Housing Distribution
Address Breakdown
Residential
3,553
Single Family
3,552
Multi-Family
1
Businesses
203
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Denise Giacobba • Samson Properties
Mls Name: Bright MLS
Mls ID: #MDAA2136470