14214 Black Walnut LnEllerslieMD21529
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 14214 Black Walnut Ln, Ellerslie, MD, 21529 in Ellerslie at $294,777 earns $1,913/mo in rent and nets $79/mo after the $1,326/mo payment, a 7.79% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $81,441 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $2,715/yr in principal paydown, total projected return reaches $116,933.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.4% |
| Monthly Cash Flow | $79 | $850 |
City averages based on Ellerslie market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,913 |
| Total Monthly Debt Service | $1,716 |
| DSCR Ratio | 1.11x |
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 1994
2.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21529, Ellerslie, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 288 (100%) |
| Owner Occupied HU | 215 (74.7%) |
| Renter Occupied HU | 42 (14.6%) |
| Vacant Housing Units | 31 (10.8%) |
| Median Home Value | $164,583 |
| Average Home Value | $192,651 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
20
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 1994
2.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21529, Ellerslie, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 288 (100%) |
| Owner Occupied HU | 215 (74.7%) |
| Renter Occupied HU | 42 (14.6%) |
| Vacant Housing Units | 31 (10.8%) |
| Median Home Value | $164,583 |
| Average Home Value | $192,651 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices