2022 Baldwin Mill RdFallstonMD21047
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 2022 Baldwin Mill Rd, Fallston, MD, 21047 in Fallston. Rental yield 2.71%. At $850,000 with 2.71% gross yield, current distributions are modest, but the 5% appreciation rate projects $234,839 in new equity by year five, complemented by $7,829/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.50) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $105,790.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 7.0% |
| Monthly Cash Flow | $(3,367) | $1,200 |
City averages based on Fallston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,920 |
| Total Monthly Debt Service | $4,948 |
| DSCR Ratio | 0.39x |
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 2011
6.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21047, Fallston, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,783 (100%) |
| Owner Occupied HU | 4,332 (90.6%) |
| Renter Occupied HU | 306 ( 6.4%) |
| Vacant Housing Units | 145 ( 3.0%) |
| Median Home Value | $579,935 |
| Average Home Value | $621,625 |
Housing Distribution
Address Breakdown
Residential
4,800
Single Family
4,800
Multi-Family
0
Businesses
357
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 2011
6.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21047, Fallston, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,783 (100%) |
| Owner Occupied HU | 4,332 (90.6%) |
| Renter Occupied HU | 306 ( 6.4%) |
| Vacant Housing Units | 145 ( 3.0%) |
| Median Home Value | $579,935 |
| Average Home Value | $621,625 |
Housing Distribution
Address Breakdown
Residential
4,800
Single Family
4,800
Multi-Family
0
Businesses
357
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices