19803 McMullen Hwy SWRawlingsMD21557
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 19803 McMullen Hwy SW, Rawlings, MD, 21557 in Rawlings: $1,200/mo in rent, $454/mo in net income, 12% gross yield, 2.22 DSCR, all at $120,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $33,154 in appreciation and $1,105/yr in principal paydown projects total cumulative return of $74,673.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.0% |
| Monthly Cash Flow | $454 | $550 |
City averages based on Rawlings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $699 |
| DSCR Ratio | 1.72x |
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 1942
9,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21557, Rawlings, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 886 (100%) |
| Owner Occupied HU | 695 (78.4%) |
| Renter Occupied HU | 92 (10.4%) |
| Vacant Housing Units | 99 (11.2%) |
| Median Home Value | $154,526 |
| Average Home Value | $198,705 |
Housing Distribution
Address Breakdown
Residential
694
Single Family
694
Multi-Family
0
Businesses
25
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 1942
9,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21557, Rawlings, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 886 (100%) |
| Owner Occupied HU | 695 (78.4%) |
| Renter Occupied HU | 92 (10.4%) |
| Vacant Housing Units | 99 (11.2%) |
| Median Home Value | $154,526 |
| Average Home Value | $198,705 |
Housing Distribution
Address Breakdown
Residential
694
Single Family
694
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices