1815 Harford RdFallstonMD21047
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Fallston rental at 1815 Harford Rd, Fallston, MD, 21047 sits in the solid-income band: 8.41% gross yield, $3,708/mo rent, $418/mo net after the $2,379/mo debt service, DSCR 1.56. Entry price of $529,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $146,153 and $4,872/yr in principal reduction bring total cumulative return to $227,578.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.0% |
| Monthly Cash Flow | $418 | $1,200 |
City averages based on Fallston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,708 |
| Total Monthly Debt Service | $3,080 |
| DSCR Ratio | 1.20x |
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21047, Fallston, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,783 (100%) |
| Owner Occupied HU | 4,332 (90.6%) |
| Renter Occupied HU | 306 ( 6.4%) |
| Vacant Housing Units | 145 ( 3.0%) |
| Median Home Value | $579,935 |
| Average Home Value | $621,625 |
Housing Distribution
Address Breakdown
Residential
4,800
Single Family
4,800
Multi-Family
0
Businesses
357
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21047, Fallston, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,783 (100%) |
| Owner Occupied HU | 4,332 (90.6%) |
| Renter Occupied HU | 306 ( 6.4%) |
| Vacant Housing Units | 145 ( 3.0%) |
| Median Home Value | $579,935 |
| Average Home Value | $621,625 |
Housing Distribution
Address Breakdown
Residential
4,800
Single Family
4,800
Multi-Family
0
Businesses
357
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices