14800 Cindy WayOldtownMD21555
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 14800 Cindy Way, Oldtown, MD, 21555 in Oldtown speaks for itself: 11.79% gross on a $165,000 price, generating $1,621/mo in rent and $595/mo in net income after the $742/mo debt service. DSCR 2.18, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,140 stacks alongside $45,586 in projected five-year appreciation and $1,520/yr in principal reduction. Projected total cumulative return: $100,886.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 5.5% |
| Monthly Cash Flow | $595 | $350 |
City averages based on Oldtown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,621 |
| Total Monthly Debt Service | $961 |
| DSCR Ratio | 1.69x |
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 2024
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21555, Oldtown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 999 (100%) |
| Owner Occupied HU | 655 (65.6%) |
| Renter Occupied HU | 73 ( 7.3%) |
| Vacant Housing Units | 271 (27.1%) |
| Median Home Value | $205,400 |
| Average Home Value | $222,153 |
Housing Distribution
Address Breakdown
Residential
733
Single Family
733
Multi-Family
0
Businesses
16
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 2024
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21555, Oldtown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 999 (100%) |
| Owner Occupied HU | 655 (65.6%) |
| Renter Occupied HU | 73 ( 7.3%) |
| Vacant Housing Units | 271 (27.1%) |
| Median Home Value | $205,400 |
| Average Home Value | $222,153 |
Housing Distribution
Address Breakdown
Residential
733
Single Family
733
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices