201 W Main StEmmitsburgMD21727
INVESTMENT ANALYSIS
Investment Verdict
Solid Income201 W Main St, Emmitsburg, MD, 21727 in Emmitsburg earns a respectable 8.1% gross yield at $269,900, but after the $1,214/mo mortgage the net cash flow is $143/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.50) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $74,568 over five years, making equity the dominant return driver. Total projected return: $111,620.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $143 | $850 |
City averages based on Emmitsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,822 |
| Total Monthly Debt Service | $1,571 |
| DSCR Ratio | 1.16x |
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 1890
4,950 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21727, Emmitsburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,970 (100%) |
| Owner Occupied HU | 1,352 (68.6%) |
| Renter Occupied HU | 508 (25.8%) |
| Vacant Housing Units | 110 ( 5.6%) |
| Median Home Value | $456,658 |
| Average Home Value | $537,134 |
Housing Distribution
Address Breakdown
Residential
1,431
Single Family
1,289
Multi-Family
142
Businesses
162
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 1890
4,950 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21727, Emmitsburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,970 (100%) |
| Owner Occupied HU | 1,352 (68.6%) |
| Renter Occupied HU | 508 (25.8%) |
| Vacant Housing Units | 110 ( 5.6%) |
| Median Home Value | $456,658 |
| Average Home Value | $537,134 |
Housing Distribution
Address Breakdown
Residential
1,431
Single Family
1,289
Multi-Family
142
Businesses
162
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julie Byrd • Long & Foster Real Estate, Inc.
Mls Name: Bright MLS
Mls ID: #MDFR2070124