20949 Somers RdEwellMD21824
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 20949 Somers Rd, Ewell, MD, 21824 in Ewell earns a 8.5% gross yield at $315,000. Rent of $2,231/mo nets $272/mo after the $1,416/mo mortgage. The 1.58 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $87,029 and $2,901/yr in equity accumulation project a total cumulative return of $137,026.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.1% |
| Monthly Cash Flow | $272 | $450 |
City averages based on Ewell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,231 |
| Total Monthly Debt Service | $1,834 |
| 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.
Single Family
Built in 1994
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21824, Ewell, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 242 (100%) |
| Owner Occupied HU | 97 (40.1%) |
| Renter Occupied HU | 14 ( 5.8%) |
| Vacant Housing Units | 131 (54.1%) |
| Median Home Value | $150,833 |
| Average Home Value | $176,392 |
Housing Distribution
Address Breakdown
Residential
108
Single Family
108
Multi-Family
0
Businesses
12
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 1994
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21824, Ewell, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 242 (100%) |
| Owner Occupied HU | 97 (40.1%) |
| Renter Occupied HU | 14 ( 5.8%) |
| Vacant Housing Units | 131 (54.1%) |
| Median Home Value | $150,833 |
| Average Home Value | $176,392 |
Housing Distribution
Address Breakdown
Residential
108
Single Family
108
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices