21 Inkberry CirGaithersburgMD20877
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 21 Inkberry Cir, Gaithersburg, MD, 20877 in Gaithersburg at $579,000 earns $3,734/mo in rent and nets $16/mo after the $2,604/mo payment, a 7.74% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $159,967 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $5,333/yr in principal paydown, total projected return reaches $228,156.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.1% |
| Monthly Cash Flow | $16 | $1,850 |
City averages based on Gaithersburg market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,734 |
| Total Monthly Debt Service | $3,371 |
| DSCR Ratio | 1.11x |
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 2003
1,782 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20877, Gaithersburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,773 (100%) |
| Owner Occupied HU | 5,608 (40.7%) |
| Renter Occupied HU | 7,448 (54.1%) |
| Vacant Housing Units | 717 ( 5.2%) |
| Median Home Value | $533,944 |
| Average Home Value | $545,024 |
Housing Distribution
Address Breakdown
Residential
13,663
Single Family
6,259
Multi-Family
7,404
Businesses
1,496
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 2003
1,782 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20877, Gaithersburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,773 (100%) |
| Owner Occupied HU | 5,608 (40.7%) |
| Renter Occupied HU | 7,448 (54.1%) |
| Vacant Housing Units | 717 ( 5.2%) |
| Median Home Value | $533,944 |
| Average Home Value | $545,024 |
Housing Distribution
Address Breakdown
Residential
13,663
Single Family
6,259
Multi-Family
7,404
Businesses
1,496
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDMC2236746