2004 Clover DrFinksburgMD21048
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 2004 Clover Dr, Finksburg, MD, 21048 in Finksburg at $1,044,900, 3.72% gross yield, is a market-growth asset. Rental yield 3.72%. The $3,240/mo rent partially funds the $4,699/mo debt service; the core return is the 5%/yr price growth projected to add $288,687 over five years. Ziffy Mortgage's DSCR mortgage (0.69) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $186,626.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.8% |
| Monthly Cash Flow | $(3,259) | $350 |
City averages based on Finksburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,240 |
| Total Monthly Debt Service | $6,083 |
| DSCR Ratio | 0.53x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2024
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21048, Finksburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,204 (100%) |
| Owner Occupied HU | 3,739 (88.9%) |
| Renter Occupied HU | 321 ( 7.6%) |
| Vacant Housing Units | 144 ( 3.4%) |
| Median Home Value | $510,683 |
| Average Home Value | $563,145 |
Housing Distribution
Address Breakdown
Residential
4,091
Single Family
4,084
Multi-Family
7
Businesses
312
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 2024
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21048, Finksburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,204 (100%) |
| Owner Occupied HU | 3,739 (88.9%) |
| Renter Occupied HU | 321 ( 7.6%) |
| Vacant Housing Units | 144 ( 3.4%) |
| Median Home Value | $510,683 |
| Average Home Value | $563,145 |
Housing Distribution
Address Breakdown
Residential
4,091
Single Family
4,084
Multi-Family
7
Businesses
312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices