2120 Blue Mount RdMonktonMD21111
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2120 Blue Mount Rd, Monkton, MD, 21111 in Monkton worth study. Rental yield 4.08%. The 4.08% gross yield is below cash-flow benchmarks at $499,000, but 5% annual appreciation, adding $137,865 over five years, frames this as a capital growth position. Rent of $1,696/mo partially offsets the $2,244/mo payment. Ziffy Mortgage finances appreciation-play properties (0.76 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $98,687.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(1,408) | $800 |
City averages based on Monkton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,696 |
| Total Monthly Debt Service | $2,905 |
| DSCR Ratio | 0.58x |
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 1979
3.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21111, Monkton, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,955 (100%) |
| Owner Occupied HU | 1,710 (87.5%) |
| Renter Occupied HU | 168 ( 8.6%) |
| Vacant Housing Units | 77 ( 3.9%) |
| Median Home Value | $666,554 |
| Average Home Value | $718,474 |
Housing Distribution
Address Breakdown
Residential
1,903
Single Family
1,903
Multi-Family
0
Businesses
167
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 1979
3.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21111, Monkton, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,955 (100%) |
| Owner Occupied HU | 1,710 (87.5%) |
| Renter Occupied HU | 168 ( 8.6%) |
| Vacant Housing Units | 77 ( 3.9%) |
| Median Home Value | $666,554 |
| Average Home Value | $718,474 |
Housing Distribution
Address Breakdown
Residential
1,903
Single Family
1,903
Multi-Family
0
Businesses
167
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices