20806 Bayside AveRock HallMD21661
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 20806 Bayside Ave, Rock Hall, MD, 21661 in Rock Hall. At $626,300 it earns $4,103/mo in rent and distributes $208/mo to the owner after the $2,816/mo payment, a consistent 7.86% yield. DSCR 1.46 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $173,035 in value; $5,768/yr in principal paydown compounds ownership stake. Total projected return: $250,985.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.0% |
| Monthly Cash Flow | $208 | $500 |
City averages based on Rock Hall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,103 |
| Total Monthly Debt Service | $3,646 |
| DSCR Ratio | 1.13x |
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.
Single Family
Built in 1986
1.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21661, Rock Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,750 (100%) |
| Owner Occupied HU | 933 (53.3%) |
| Renter Occupied HU | 260 (14.9%) |
| Vacant Housing Units | 557 (31.8%) |
| Median Home Value | $335,274 |
| Average Home Value | $371,163 |
Housing Distribution
Address Breakdown
Residential
1,267
Single Family
1,267
Multi-Family
0
Businesses
132
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 1986
1.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21661, Rock Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,750 (100%) |
| Owner Occupied HU | 933 (53.3%) |
| Renter Occupied HU | 260 (14.9%) |
| Vacant Housing Units | 557 (31.8%) |
| Median Home Value | $335,274 |
| Average Home Value | $371,163 |
Housing Distribution
Address Breakdown
Residential
1,267
Single Family
1,267
Multi-Family
0
Businesses
132
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices