21113 Kaul LnGermantownMD20876
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 21113 Kaul Ln, Germantown, MD, 20876 in Germantown. Rental yield 5.96%. At $950,000 with 5.96% gross yield, current distributions are modest, but the 5% appreciation rate projects $262,467 in new equity by year five, complemented by $8,750/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.10) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $283,695.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 5.8% |
| Monthly Cash Flow | $(1,191) | $1,850 |
City averages based on Germantown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,717 |
| Total Monthly Debt Service | $5,531 |
| DSCR Ratio | 0.85x |
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 1987
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20876, Germantown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,415 (100%) |
| Owner Occupied HU | 5,573 (66.2%) |
| Renter Occupied HU | 2,600 (30.9%) |
| Vacant Housing Units | 242 ( 2.9%) |
| Median Home Value | $572,077 |
| Average Home Value | $615,938 |
Housing Distribution
Address Breakdown
Residential
8,804
Single Family
7,208
Multi-Family
1,596
Businesses
354
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 1987
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20876, Germantown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,415 (100%) |
| Owner Occupied HU | 5,573 (66.2%) |
| Renter Occupied HU | 2,600 (30.9%) |
| Vacant Housing Units | 242 ( 2.9%) |
| Median Home Value | $572,077 |
| Average Home Value | $615,938 |
Housing Distribution
Address Breakdown
Residential
8,804
Single Family
7,208
Multi-Family
1,596
Businesses
354
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dick Stoner • The Reist Corporation
Mls Name: Bright MLS
Mls ID: #MDMC2206578