20 Kearney WayIndian HeadMD20640
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 20 Kearney Way, Indian Head, MD, 20640 in Indian Head deserves attention. This $374,900 property earns $3,216/mo in rent, a 10.29% gross yield, and nets $820/mo after the $1,686/mo payment. DSCR 1.91 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $103,578 compounds alongside $3,453/yr in yearly equity build, for a total cumulative return of $195,239.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $820 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,216 |
| Total Monthly Debt Service | $2,247 |
| DSCR Ratio | 1.43x |
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 2010
2,052 sqft lot
$N/A/sqft
$50 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20640, Indian Head, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,307 (100%) |
| Owner Occupied HU | 3,155 (73.3%) |
| Renter Occupied HU | 788 (18.3%) |
| Vacant Housing Units | 364 ( 8.5%) |
| Median Home Value | $386,296 |
| Average Home Value | $384,574 |
Housing Distribution
Address Breakdown
Residential
3,983
Single Family
3,958
Multi-Family
25
Businesses
145
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 2010
2,052 sqft lot
$N/A/sqft
$50 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20640, Indian Head, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,307 (100%) |
| Owner Occupied HU | 3,155 (73.3%) |
| Renter Occupied HU | 788 (18.3%) |
| Vacant Housing Units | 364 ( 8.5%) |
| Median Home Value | $386,296 |
| Average Home Value | $384,574 |
Housing Distribution
Address Breakdown
Residential
3,983
Single Family
3,958
Multi-Family
25
Businesses
145
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices