18864 Patuxent AveBenedictMD20612
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 18864 Patuxent Ave, Benedict, MD, 20612 in Benedict is narrow, $82/mo net on $2,352/mo rent after the $1,641/mo debt service, but the property operates at break-even-plus, not a loss. At $365,000 with a 7.73% yield, the long-run equity case via 5% appreciation ($100,843 over five years) and $3,362/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: $143,772.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 8.0% |
| Monthly Cash Flow | $82 | $250 |
City averages based on Benedict market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,352 |
| Total Monthly Debt Service | $2,125 |
| DSCR Ratio | 1.11x |
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 1926
9,845 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20612, Benedict, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 148 (100%) |
| Owner Occupied HU | 115 (77.7%) |
| Renter Occupied HU | 15 (10.1%) |
| Vacant Housing Units | 18 (12.2%) |
| Median Home Value | $587,798 |
| Average Home Value | $577,065 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
4
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 1926
9,845 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20612, Benedict, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 148 (100%) |
| Owner Occupied HU | 115 (77.7%) |
| Renter Occupied HU | 15 (10.1%) |
| Vacant Housing Units | 18 (12.2%) |
| Median Home Value | $587,798 |
| Average Home Value | $577,065 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices