20 Railroad Ave, Gaither, MD, 21784 | $290/mo Cash Flow

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

Home Type: Single Family

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20 Railroad Ave, Gaither, MD, 21784 | $290/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Gaither at 20 Railroad Ave, Gaither, MD, 21784 with 5% annual appreciation on a $320,000 basis while $2,280/mo rent supports operations. Total monthly income totals $2,280/mo and a $1,566/mo payment preserves $290/mo for cash returns. Annual cash flow comes to $3,480/yr on $106,080 deployed, and return on cash invested reaches 23.19% in year one. Equity gained on principal adds $2,065/yr, and five-year appreciation sums $88,410 alongside rental yield of 8.55%. Five-year ROI measures 120.46% and total cumulative return in cash totals $127,779.

Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $2,280/mo property income versus a $1,566/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.

Single Family

Built in 1895

0.44 Acres lot

$N/A/sqft

No HOA

More details about the property

Charming Duplex with Modern Upgrades & Flexible Living Options Welcome to 20 Railroad Ave, a well-maintained duplex offering comfort, modern updates, and excellent investment potential in the heart of Gaithersburg, MD. The main-level unit, accessed through the front entrance, is currently occupied. The upper-level unit is a mirror image of the main-level layoutspacious, bright, and full of potentialand is vacant for easy showings. Property Features: 2 Bedrooms & 2 Full Bathrooms on Each Level Ideal for families, roommates, or tenants. Spacious Kitchens & Large Living Rooms Perfect for entertaining or relaxing. Ample Storage Space Keep everything organized with plenty of room for your belongings. Recent Upgrades New HVAC, new windows, and beautiful hardwood flooring throughout. Why Youll Love It: Live in one unit and rent out the other for extra income, or lease both for a strong investment return. This property is exceptionally affordable and low-maintenanceonly pay for electricity. The home features a well and septic system, so there are no water or sewer bills. Whether youre a first-time buyer, investor, or looking for a flexible living arrangement, this is a great start-up opportunity in a desirable location. Schedule a Showing: The upper-level unit is available to view anytimesimply schedule online or call me directly. Contact me today for more information.

Neighborhood Data

Neighborhood data shown for ZIP Code: 21784, Sykesville, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	15,119 (100%)
Owner Occupied HU	12,813 (84.7%)
Renter Occupied HU	1,910 (12.6%)
Vacant Housing Units	396 ( 2.6%)
Median Home Value	$543,643
Average Home Value	$578,098