14805 White Oak RdgHancockMD21750
INVESTMENT ANALYSIS
Investment Verdict
Solid Income14805 White Oak Rdg, Hancock, MD, 21750 in Hancock is a solid income-producing rental, 9.64% gross yield, $1,686/mo rent, $381/mo net cash flow on a $209,900 buy. DSCR 1.79 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $57,992 and $1,933/yr in principal reduction project a total cumulative return of $104,098.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.5% |
| Monthly Cash Flow | $381 | $850 |
City averages based on Hancock market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,686 |
| Total Monthly Debt Service | $1,222 |
| DSCR Ratio | 1.38x |
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 1985
2.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21750, Hancock, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,773 (100%) |
| Owner Occupied HU | 1,092 (61.6%) |
| Renter Occupied HU | 496 (28.0%) |
| Vacant Housing Units | 185 (10.4%) |
| Median Home Value | $293,275 |
| Average Home Value | $318,807 |
Housing Distribution
Address Breakdown
Residential
1,694
Single Family
1,611
Multi-Family
83
Businesses
196
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 1985
2.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21750, Hancock, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,773 (100%) |
| Owner Occupied HU | 1,092 (61.6%) |
| Renter Occupied HU | 496 (28.0%) |
| Vacant Housing Units | 185 (10.4%) |
| Median Home Value | $293,275 |
| Average Home Value | $318,807 |
Housing Distribution
Address Breakdown
Residential
1,694
Single Family
1,611
Multi-Family
83
Businesses
196
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices