1433 W Lombard StBaltimoreMD21223
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.8% gross rental yield, 1433 W Lombard St, Baltimore, MD, 21223 in Baltimore is priced for capital growth, not immediate cash flow. The $465,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $128,471 by year five, with $4,283/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.70) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $85,122.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 4.8% |
| Monthly Cash Flow | $(1,418) | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,474 |
| Total Monthly Debt Service | $2,707 |
| DSCR Ratio | 0.54x |
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.
Multi Family
Built in 1880
3,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21223, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,976 (100%) |
| Owner Occupied HU | 2,644 (24.1%) |
| Renter Occupied HU | 5,226 (47.6%) |
| Vacant Housing Units | 3,106 (28.3%) |
| Median Home Value | $133,065 |
| Average Home Value | $205,327 |
Housing Distribution
Address Breakdown
Residential
8,996
Single Family
7,426
Multi-Family
1,570
Businesses
854
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
Multi Family
Built in 1880
3,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21223, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,976 (100%) |
| Owner Occupied HU | 2,644 (24.1%) |
| Renter Occupied HU | 5,226 (47.6%) |
| Vacant Housing Units | 3,106 (28.3%) |
| Median Home Value | $133,065 |
| Average Home Value | $205,327 |
Housing Distribution
Address Breakdown
Residential
8,996
Single Family
7,426
Multi-Family
1,570
Businesses
854
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices