14495 Over Creek DrIssueMD20645
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow14495 Over Creek Dr, Issue, MD, 20645 in Issue is a top-tier cash-flow asset. At $450,000 it produces $3,779/mo in rent and $980/mo in net monthly income, a 10.08% gross rental yield. The DSCR of 1.87 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $11,760. Five-year appreciation adds $124,327, driving a total cumulative return of $233,796.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 5.2% |
| Monthly Cash Flow | $980 | $350 |
City averages based on Issue market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,779 |
| Total Monthly Debt Service | $2,620 |
| DSCR Ratio | 1.44x |
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 1991
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20645, Issue, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 351 (100%) |
| Owner Occupied HU | 288 (82.1%) |
| Renter Occupied HU | 38 (10.8%) |
| Vacant Housing Units | 25 ( 7.1%) |
| Median Home Value | $608,766 |
| Average Home Value | $620,139 |
Housing Distribution
Address Breakdown
Residential
348
Single Family
348
Multi-Family
0
Businesses
6
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 1991
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20645, Issue, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 351 (100%) |
| Owner Occupied HU | 288 (82.1%) |
| Renter Occupied HU | 38 (10.8%) |
| Vacant Housing Units | 25 ( 7.1%) |
| Median Home Value | $608,766 |
| Average Home Value | $620,139 |
Housing Distribution
Address Breakdown
Residential
348
Single Family
348
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices