203 Mill Crossing CtHarmansMD21077
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 203 Mill Crossing Ct, Harmans, MD, 21077 in Harmans earns a 8.51% gross yield at $569,000. Rent of $4,037/mo nets $498/mo after the $2,559/mo mortgage. The 1.58 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $157,204 and $5,241/yr in equity accumulation project a total cumulative return of $247,913.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $498 | $1,200 |
City averages based on Harmans market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,037 |
| Total Monthly Debt Service | $3,313 |
| DSCR Ratio | 1.22x |
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.
Townhouse
Built in 2016
2,532 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21077, Harmans, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 142 (100%) |
| Owner Occupied HU | 126 (88.7%) |
| Renter Occupied HU | 15 (10.6%) |
| Vacant Housing Units | 1 ( 0.7%) |
| Median Home Value | $458,696 |
| Average Home Value | $519,544 |
Housing Distribution
Address Breakdown
Residential
143
Single Family
143
Multi-Family
0
Businesses
26
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
Townhouse
Built in 2016
2,532 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21077, Harmans, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 142 (100%) |
| Owner Occupied HU | 126 (88.7%) |
| Renter Occupied HU | 15 (10.6%) |
| Vacant Housing Units | 1 ( 0.7%) |
| Median Home Value | $458,696 |
| Average Home Value | $519,544 |
Housing Distribution
Address Breakdown
Residential
143
Single Family
143
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices