20252 Shipley Ter APT 101-6CGermantownMD20874
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 20252 Shipley Ter APT 101-6C, Germantown, MD, 20874 in Germantown hard to pass up. The 12.45% gross yield on a $228,000 purchase results in $2,365/mo in rent and $947/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.31). Annual cash flow of $11,366, five-year appreciation of $62,992, and $2,100/yr in equity build-up combine for a projected total cumulative return of $129,553.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 5.8% |
| Monthly Cash Flow | $947 | $1,850 |
City averages based on Germantown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,365 |
| Total Monthly Debt Service | $1,625 |
| DSCR Ratio | 1.46x |
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