19028 Graystone RdWhite HallMD21161
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder19028 Graystone Rd, White Hall, MD, 21161 in White Hall is a stable, well-positioned rental at $488,900. Rental yield 7.07%. DSCR 1.31 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $135,074 in value and $4,503/yr in principal paydown builds equity, a total projected return of $175,290.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 5.8% |
| Monthly Cash Flow | $(158) | $900 |
City averages based on White Hall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,882 |
| Total Monthly Debt Service | $2,846 |
| DSCR Ratio | 1.01x |
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 1964
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21161, White Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,958 (100%) |
| Owner Occupied HU | 1,680 (85.8%) |
| Renter Occupied HU | 186 ( 9.5%) |
| Vacant Housing Units | 92 ( 4.7%) |
| Median Home Value | $582,215 |
| Average Home Value | $610,385 |
Housing Distribution
Address Breakdown
Residential
2,076
Single Family
2,076
Multi-Family
0
Businesses
60
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 1964
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21161, White Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,958 (100%) |
| Owner Occupied HU | 1,680 (85.8%) |
| Renter Occupied HU | 186 ( 9.5%) |
| Vacant Housing Units | 92 ( 4.7%) |
| Median Home Value | $582,215 |
| Average Home Value | $610,385 |
Housing Distribution
Address Breakdown
Residential
2,076
Single Family
2,076
Multi-Family
0
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tom Roach • Cummings & Co. Realtors
Mls Name: Bright MLS
Mls ID: #MDBC2150452