2109 N Longwood StBaltimoreMD21216
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 2109 N Longwood St, Baltimore, MD, 21216 in Baltimore the bet is firmly on appreciation. Rental yield 1.39%. The 1.39% gross yield on a $1,430,000 price is below income-first thresholds, but 5%/yr value growth projects $395,083 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.26) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $76,575.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.4% | 4.8% |
| Monthly Cash Flow | $(7,240) | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,654 |
| Total Monthly Debt Service | $8,325 |
| DSCR Ratio | 0.20x |
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 1909
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21216, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,004 (100%) |
| Owner Occupied HU | 5,486 (39.2%) |
| Renter Occupied HU | 5,494 (39.2%) |
| Vacant Housing Units | 3,024 (21.6%) |
| Median Home Value | $188,217 |
| Average Home Value | $272,901 |
Housing Distribution
Address Breakdown
Residential
11,245
Single Family
9,849
Multi-Family
1,396
Businesses
426
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 1909
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21216, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,004 (100%) |
| Owner Occupied HU | 5,486 (39.2%) |
| Renter Occupied HU | 5,494 (39.2%) |
| Vacant Housing Units | 3,024 (21.6%) |
| Median Home Value | $188,217 |
| Average Home Value | $272,901 |
Housing Distribution
Address Breakdown
Residential
11,245
Single Family
9,849
Multi-Family
1,396
Businesses
426
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices