220 Ringgold RdFruitlandMD21826
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow220 Ringgold Rd, Fruitland, MD, 21826 in Fruitland earns its strong cash-flow label: 10.1% yield, $3,365/mo rent, $878/mo net income, DSCR 1.87. The $399,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $110,485 by year five. Combined with $3,683/yr in principal paydown, total projected return reaches $208,237.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $878 | $850 |
City averages based on Fruitland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,365 |
| Total Monthly Debt Service | $2,328 |
| DSCR Ratio | 1.45x |
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.
Single Family
Built in 2019
10,016 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21826, Fruitland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,395 (100%) |
| Owner Occupied HU | 1,400 (58.5%) |
| Renter Occupied HU | 781 (32.6%) |
| Vacant Housing Units | 214 ( 8.9%) |
| Median Home Value | $294,326 |
| Average Home Value | $320,239 |
Housing Distribution
Address Breakdown
Residential
2,219
Single Family
2,219
Multi-Family
0
Businesses
200
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 2019
10,016 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21826, Fruitland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,395 (100%) |
| Owner Occupied HU | 1,400 (58.5%) |
| Renter Occupied HU | 781 (32.6%) |
| Vacant Housing Units | 214 ( 8.9%) |
| Median Home Value | $294,326 |
| Average Home Value | $320,239 |
Housing Distribution
Address Breakdown
Residential
2,219
Single Family
2,219
Multi-Family
0
Businesses
200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices