21310 National Pike NEFlintstoneMD21530
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 21310 National Pike NE, Flintstone, MD, 21530 in Flintstone is capital appreciation. Rental yield 5.83%. The 5.83% gross yield at $294,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $81,475 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.08) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $86,085.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 7.2% |
| Monthly Cash Flow | $(401) | $850 |
City averages based on Flintstone market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,433 |
| Total Monthly Debt Service | $1,717 |
| DSCR Ratio | 0.83x |
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 1957
3.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21530, Flintstone, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 759 (100%) |
| Owner Occupied HU | 562 (74.0%) |
| Renter Occupied HU | 91 (12.0%) |
| Vacant Housing Units | 106 (14.0%) |
| Median Home Value | $239,316 |
| Average Home Value | $300,961 |
Housing Distribution
Address Breakdown
Residential
646
Single Family
646
Multi-Family
0
Businesses
42
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 1957
3.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21530, Flintstone, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 759 (100%) |
| Owner Occupied HU | 562 (74.0%) |
| Renter Occupied HU | 91 (12.0%) |
| Vacant Housing Units | 106 (14.0%) |
| Median Home Value | $239,316 |
| Average Home Value | $300,961 |
Housing Distribution
Address Breakdown
Residential
646
Single Family
646
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices