14808 Railroad StMidlandMD21532
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 14808 Railroad St, Midland, MD, 21532 in Midland speaks for itself: 19.53% gross on a $124,000 price, generating $2,018/mo in rent and $1,247/mo in net income after the $558/mo debt service. DSCR 3.62, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,966 stacks alongside $34,259 in projected five-year appreciation and $1,142/yr in principal reduction. Projected total cumulative return: $127,262.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.5% | 5.8% |
| Monthly Cash Flow | $1,247 | $450 |
City averages based on Midland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,018 |
| Total Monthly Debt Service | $722 |
| DSCR Ratio | 2.80x |
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 1920
2,861 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21532, Frostburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,786 (100%) |
| Owner Occupied HU | 3,755 (55.3%) |
| Renter Occupied HU | 1,936 (28.5%) |
| Vacant Housing Units | 1,095 (16.1%) |
| Median Home Value | $194,526 |
| Average Home Value | $248,376 |
Housing Distribution
Address Breakdown
Residential
6,433
Single Family
6,052
Multi-Family
381
Businesses
330
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 1920
2,861 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21532, Frostburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,786 (100%) |
| Owner Occupied HU | 3,755 (55.3%) |
| Renter Occupied HU | 1,936 (28.5%) |
| Vacant Housing Units | 1,095 (16.1%) |
| Median Home Value | $194,526 |
| Average Home Value | $248,376 |
Housing Distribution
Address Breakdown
Residential
6,433
Single Family
6,052
Multi-Family
381
Businesses
330
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices