20216 Shipley Ter UNIT 8-B-101GermantownMD20874
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 20216 Shipley Ter UNIT 8-B-101, Germantown, MD, 20874 in Germantown deserves attention. This $260,000 property earns $2,471/mo in rent, a 11.4% gross yield, and nets $854/mo after the $1,169/mo payment. DSCR 2.11 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $71,833 compounds alongside $2,395/yr in yearly equity build, for a total cumulative return of $123,609.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 5.8% |
| Monthly Cash Flow | $854 | $1,850 |
City averages based on Germantown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,471 |
| Total Monthly Debt Service | $2,014 |
| DSCR Ratio | 1.23x |
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.
Condo
Built in 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20874, Germantown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,362 (100%) |
| Owner Occupied HU | 14,669 (60.2%) |
| Renter Occupied HU | 8,767 (36.0%) |
| Vacant Housing Units | 926 ( 3.8%) |
| Median Home Value | $481,522 |
| Average Home Value | $561,766 |
Housing Distribution
Address Breakdown
Residential
24,451
Single Family
17,681
Multi-Family
6,770
Businesses
632
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
Condo
Built in 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20874, Germantown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,362 (100%) |
| Owner Occupied HU | 14,669 (60.2%) |
| Renter Occupied HU | 8,767 (36.0%) |
| Vacant Housing Units | 926 ( 3.8%) |
| Median Home Value | $481,522 |
| Average Home Value | $561,766 |
Housing Distribution
Address Breakdown
Residential
24,451
Single Family
17,681
Multi-Family
6,770
Businesses
632
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices