202 N North StAccidentMD21520
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play202 N North St, Accident, MD, 21520 in Accident is priced for appreciation, not yield. Rental yield 5.55%. At $650,000 with a 5.55% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $179,583 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.03) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $179,903.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(1,035) | $800 |
City averages based on Accident market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,007 |
| Total Monthly Debt Service | $3,784 |
| DSCR Ratio | 0.79x |
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 1876
5.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21520, Accident, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,000 (100%) |
| Owner Occupied HU | 637 (63.7%) |
| Renter Occupied HU | 158 (15.8%) |
| Vacant Housing Units | 205 (20.5%) |
| Median Home Value | $313,525 |
| Average Home Value | $374,349 |
Housing Distribution
Address Breakdown
Residential
823
Single Family
803
Multi-Family
20
Businesses
78
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 1876
5.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21520, Accident, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,000 (100%) |
| Owner Occupied HU | 637 (63.7%) |
| Renter Occupied HU | 158 (15.8%) |
| Vacant Housing Units | 205 (20.5%) |
| Median Home Value | $313,525 |
| Average Home Value | $374,349 |
Housing Distribution
Address Breakdown
Residential
823
Single Family
803
Multi-Family
20
Businesses
78
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices