16110 Drayton Farm DrSpencervilleMD20868
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 16110 Drayton Farm Dr, Spencerville, MD, 20868 in Spencerville worth study. Rental yield 4.54%. The 4.54% gross yield is below cash-flow benchmarks at $1,350,000, but 5% annual appreciation, adding $372,980 over five years, frames this as a capital growth position. Rent of $5,108/mo partially offsets the $6,070/mo payment. Ziffy Mortgage finances appreciation-play properties (0.84 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $300,529.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.5% |
| Monthly Cash Flow | $(3,288) | $450 |
City averages based on Spencerville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,108 |
| Total Monthly Debt Service | $7,859 |
| DSCR Ratio | 0.65x |
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.
Single Family
Built in 1835
4.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20868, Spencerville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 332 (100%) |
| Owner Occupied HU | 287 (86.4%) |
| Renter Occupied HU | 26 ( 7.8%) |
| Vacant Housing Units | 19 ( 5.7%) |
| Median Home Value | $748,626 |
| Average Home Value | $864,965 |
Housing Distribution
Address Breakdown
Residential
209
Single Family
209
Multi-Family
0
Businesses
108
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 1835
4.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20868, Spencerville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 332 (100%) |
| Owner Occupied HU | 287 (86.4%) |
| Renter Occupied HU | 26 ( 7.8%) |
| Vacant Housing Units | 19 ( 5.7%) |
| Median Home Value | $748,626 |
| Average Home Value | $864,965 |
Housing Distribution
Address Breakdown
Residential
209
Single Family
209
Multi-Family
0
Businesses
108
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Grizzle • Coldwell Banker Realty
Mls Name: Bright MLS
Mls ID: #MDMC2198500