2109 Winstone CtDarlingtonMD21034
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 2109 Winstone Ct, Darlington, MD, 21034 in Darlington is narrow, $161/mo net on $5,292/mo rent after the $3,710/mo debt service, but the property operates at break-even-plus, not a loss. At $825,000 with a 7.7% yield, the long-run equity case via 5% appreciation ($227,932 over five years) and $7,598/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $323,264.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $161 | $850 |
City averages based on Darlington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,292 |
| Total Monthly Debt Service | $4,803 |
| DSCR Ratio | 1.10x |
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 2006
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21034, Darlington, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,359 (100%) |
| Owner Occupied HU | 1,065 (78.4%) |
| Renter Occupied HU | 193 (14.2%) |
| Vacant Housing Units | 101 ( 7.4%) |
| Median Home Value | $537,539 |
| Average Home Value | $599,085 |
Housing Distribution
Address Breakdown
Residential
1,371
Single Family
1,359
Multi-Family
12
Businesses
90
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 2006
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21034, Darlington, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,359 (100%) |
| Owner Occupied HU | 1,065 (78.4%) |
| Renter Occupied HU | 193 (14.2%) |
| Vacant Housing Units | 101 ( 7.4%) |
| Median Home Value | $537,539 |
| Average Home Value | $599,085 |
Housing Distribution
Address Breakdown
Residential
1,371
Single Family
1,359
Multi-Family
12
Businesses
90
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDHR2051518