18613 Shadowridge TerOlneyMD20832
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 18613 Shadowridge Ter, Olney, MD, 20832 in Olney is narrow, $37/mo net on $3,566/mo rent after the $2,495/mo debt service, but the property operates at break-even-plus, not a loss. At $554,900 with a 7.71% yield, the long-run equity case via 5% appreciation ($153,309 over five years) and $5,111/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $213,211.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.5% |
| Monthly Cash Flow | $37 | $400 |
City averages based on Olney market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,566 |
| Total Monthly Debt Service | $3,308 |
| DSCR Ratio | 1.08x |
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 1994
1,763 sqft lot
$N/A/sqft
$78 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20832, Olney, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,896 (100%) |
| Owner Occupied HU | 7,692 (86.5%) |
| Renter Occupied HU | 1,013 (11.4%) |
| Vacant Housing Units | 191 ( 2.1%) |
| Median Home Value | $676,740 |
| Average Home Value | $740,246 |
Housing Distribution
Address Breakdown
Residential
9,036
Single Family
8,583
Multi-Family
453
Businesses
404
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 1994
1,763 sqft lot
$N/A/sqft
$78 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20832, Olney, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,896 (100%) |
| Owner Occupied HU | 7,692 (86.5%) |
| Renter Occupied HU | 1,013 (11.4%) |
| Vacant Housing Units | 191 ( 2.1%) |
| Median Home Value | $676,740 |
| Average Home Value | $740,246 |
Housing Distribution
Address Breakdown
Residential
9,036
Single Family
8,583
Multi-Family
453
Businesses
404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices