2128 Elm Tree LnSilver SpringMD20906
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis Silver Spring rental at 2128 Elm Tree Ln, Silver Spring, MD, 20906 sits in the solid-income band: 7.98% gross yield, $3,626/mo rent, $237/mo net after the $2,451/mo debt service, DSCR 1.48. Entry price of $545,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $150,573 and $5,020/yr in principal reduction bring total cumulative return to $221,912.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.2% |
| Monthly Cash Flow | $237 | $1,250 |
City averages based on Silver Spring market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,626 |
| Total Monthly Debt Service | $3,173 |
| DSCR Ratio | 1.14x |
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.
Townhouse
Built in 1995
1,742 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20906, Silver Spring, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,199 (100%) |
| Owner Occupied HU | 17,677 (65.0%) |
| Renter Occupied HU | 8,174 (30.1%) |
| Vacant Housing Units | 1,348 ( 5.0%) |
| Median Home Value | $493,091 |
| Average Home Value | $533,723 |
Housing Distribution
Address Breakdown
Residential
27,137
Single Family
15,766
Multi-Family
11,371
Businesses
453
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 1995
1,742 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20906, Silver Spring, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,199 (100%) |
| Owner Occupied HU | 17,677 (65.0%) |
| Renter Occupied HU | 8,174 (30.1%) |
| Vacant Housing Units | 1,348 ( 5.0%) |
| Median Home Value | $493,091 |
| Average Home Value | $533,723 |
Housing Distribution
Address Breakdown
Residential
27,137
Single Family
15,766
Multi-Family
11,371
Businesses
453
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Leticia Smith • Keller Williams Flagship
Mls Name: Bright MLS
Mls ID: #MDMC2194344