1421 Colesberg StSilver SpringMD20905
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1421 Colesberg St, Silver Spring, MD, 20905 in Silver Spring is narrow, $128/mo net on $4,264/mo rent after the $2,990/mo debt service, but the property operates at break-even-plus, not a loss. At $665,000 with a 7.69% yield, the long-run equity case via 5% appreciation ($183,727 over five years) and $6,125/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $260,501.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.2% |
| Monthly Cash Flow | $128 | $1,250 |
City averages based on Silver Spring market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,264 |
| Total Monthly Debt Service | $3,871 |
| DSCR Ratio | 1.10x |
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 1971
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20905, Silver Spring, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,438 (100%) |
| Owner Occupied HU | 4,790 (88.1%) |
| Renter Occupied HU | 525 ( 9.7%) |
| Vacant Housing Units | 123 ( 2.3%) |
| Median Home Value | $672,561 |
| Average Home Value | $734,707 |
Housing Distribution
Address Breakdown
Residential
5,777
Single Family
5,774
Multi-Family
3
Businesses
83
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 1971
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20905, Silver Spring, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,438 (100%) |
| Owner Occupied HU | 4,790 (88.1%) |
| Renter Occupied HU | 525 ( 9.7%) |
| Vacant Housing Units | 123 ( 2.3%) |
| Median Home Value | $672,561 |
| Average Home Value | $734,707 |
Housing Distribution
Address Breakdown
Residential
5,777
Single Family
5,774
Multi-Family
3
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDMC2225398