21090 Sharp St UNIT 112Rock HallMD21661
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.8% gross rental yield, 21090 Sharp St UNIT 112, Rock Hall, MD, 21661 in Rock Hall is priced for capital growth, not immediate cash flow. The $475,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $131,234 by year five, with $4,375/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.89) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $112,334.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.0% |
| Monthly Cash Flow | $(1,055) | $500 |
City averages based on Rock Hall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,900 |
| Total Monthly Debt Service | $2,765 |
| 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.
Townhouse
Built in 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21661, Rock Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,750 (100%) |
| Owner Occupied HU | 933 (53.3%) |
| Renter Occupied HU | 260 (14.9%) |
| Vacant Housing Units | 557 (31.8%) |
| Median Home Value | $335,274 |
| Average Home Value | $371,163 |
Housing Distribution
Address Breakdown
Residential
1,267
Single Family
1,267
Multi-Family
0
Businesses
132
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21661, Rock Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,750 (100%) |
| Owner Occupied HU | 933 (53.3%) |
| Renter Occupied HU | 260 (14.9%) |
| Vacant Housing Units | 557 (31.8%) |
| Median Home Value | $335,274 |
| Average Home Value | $371,163 |
Housing Distribution
Address Breakdown
Residential
1,267
Single Family
1,267
Multi-Family
0
Businesses
132
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices