18690 Saint Jeromes Neck RdDameronMD20628
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 18690 Saint Jeromes Neck Rd, Dameron, MD, 20628 in Dameron is narrow, $23/mo net on $2,759/mo rent after the $1,978/mo debt service, but the property operates at break-even-plus, not a loss. At $439,900 with a 7.53% yield, the long-run equity case via 5% appreciation ($121,536 over five years) and $4,052/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $168,404.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.1% |
| Monthly Cash Flow | $23 | $350 |
City averages based on Dameron market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,759 |
| Total Monthly Debt Service | $2,561 |
| 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.
Single Family
Built in 2003
3.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20628, Dameron, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 254 (100%) |
| Owner Occupied HU | 146 (57.5%) |
| Renter Occupied HU | 55 (21.7%) |
| Vacant Housing Units | 53 (20.9%) |
| Median Home Value | $470,370 |
| Average Home Value | $501,901 |
Housing Distribution
Address Breakdown
Residential
177
Single Family
177
Multi-Family
0
Businesses
8
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 2003
3.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20628, Dameron, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 254 (100%) |
| Owner Occupied HU | 146 (57.5%) |
| Renter Occupied HU | 55 (21.7%) |
| Vacant Housing Units | 53 (20.9%) |
| Median Home Value | $470,370 |
| Average Home Value | $501,901 |
Housing Distribution
Address Breakdown
Residential
177
Single Family
177
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices