21 Owensville RdHarwoodMD20776
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play21 Owensville Rd, Harwood, MD, 20776 in Harwood is priced for appreciation, not yield. Rental yield 4.8%. At $1,250,000 with a 4.8% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $345,352 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.89) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $295,843.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.2% |
| Monthly Cash Flow | $(2,770) | $450 |
City averages based on Harwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,004 |
| Total Monthly Debt Service | $7,277 |
| DSCR Ratio | 0.69x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2005
3.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20776, Harwood, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,160 (100%) |
| Owner Occupied HU | 1,033 (89.1%) |
| Renter Occupied HU | 91 ( 7.8%) |
| Vacant Housing Units | 36 ( 3.1%) |
| Median Home Value | $740,677 |
| Average Home Value | $800,104 |
Housing Distribution
Address Breakdown
Residential
1,242
Single Family
1,242
Multi-Family
0
Businesses
62
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 2005
3.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20776, Harwood, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,160 (100%) |
| Owner Occupied HU | 1,033 (89.1%) |
| Renter Occupied HU | 91 ( 7.8%) |
| Vacant Housing Units | 36 ( 3.1%) |
| Median Home Value | $740,677 |
| Average Home Value | $800,104 |
Housing Distribution
Address Breakdown
Residential
1,242
Single Family
1,242
Multi-Family
0
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices