1812 N Smallwood StBaltimoreMD21216
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1812 N Smallwood St, Baltimore, MD, 21216 in Baltimore speaks for itself: 10.53% gross on a $239,000 price, generating $2,098/mo in rent and $611/mo in net income after the $1,075/mo debt service. DSCR 1.95, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,334 stacks alongside $66,031 in projected five-year appreciation and $2,201/yr in principal reduction. Projected total cumulative return: $130,021.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 4.8% |
| Monthly Cash Flow | $611 | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,098 |
| Total Monthly Debt Service | $1,391 |
| DSCR Ratio | 1.51x |
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.
Townhouse
Built in 1920
1,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21216, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,004 (100%) |
| Owner Occupied HU | 5,486 (39.2%) |
| Renter Occupied HU | 5,494 (39.2%) |
| Vacant Housing Units | 3,024 (21.6%) |
| Median Home Value | $188,217 |
| Average Home Value | $272,901 |
Housing Distribution
Address Breakdown
Residential
11,245
Single Family
9,849
Multi-Family
1,396
Businesses
426
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
Townhouse
Built in 1920
1,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21216, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,004 (100%) |
| Owner Occupied HU | 5,486 (39.2%) |
| Renter Occupied HU | 5,494 (39.2%) |
| Vacant Housing Units | 3,024 (21.6%) |
| Median Home Value | $188,217 |
| Average Home Value | $272,901 |
Housing Distribution
Address Breakdown
Residential
11,245
Single Family
9,849
Multi-Family
1,396
Businesses
426
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices