209 W Main StFruitlandMD21826
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 209 W Main St, Fruitland, MD, 21826 in Fruitland speaks for itself: 10.49% gross on a $234,900 price, generating $2,053/mo in rent and $592/mo in net income after the $1,056/mo debt service. DSCR 1.94, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,107 stacks alongside $64,899 in projected five-year appreciation and $2,163/yr in principal reduction. Projected total cumulative return: $127,223.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $592 | $850 |
City averages based on Fruitland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,053 |
| Total Monthly Debt Service | $1,368 |
| DSCR Ratio | 1.50x |
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 1988
10,010 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21826, Fruitland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,395 (100%) |
| Owner Occupied HU | 1,400 (58.5%) |
| Renter Occupied HU | 781 (32.6%) |
| Vacant Housing Units | 214 ( 8.9%) |
| Median Home Value | $294,326 |
| Average Home Value | $320,239 |
Housing Distribution
Address Breakdown
Residential
2,219
Single Family
2,219
Multi-Family
0
Businesses
200
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 1988
10,010 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21826, Fruitland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,395 (100%) |
| Owner Occupied HU | 1,400 (58.5%) |
| Renter Occupied HU | 781 (32.6%) |
| Vacant Housing Units | 214 ( 8.9%) |
| Median Home Value | $294,326 |
| Average Home Value | $320,239 |
Housing Distribution
Address Breakdown
Residential
2,219
Single Family
2,219
Multi-Family
0
Businesses
200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices