222 Harbor DrLusbyMD20657
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 222 Harbor Dr, Lusby, MD, 20657 in Lusby at $1,649,500, 2.21% gross yield, is a market-growth asset. Rental yield 2.21%. The $3,041/mo rent partially funds the $7,417/mo debt service; the core return is the 5%/yr price growth projected to add $455,726 over five years. Ziffy Mortgage's DSCR mortgage (0.41) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $161,229.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.2% | 6.5% |
| Monthly Cash Flow | $(7,218) | $320 |
City averages based on Lusby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,041 |
| Total Monthly Debt Service | $9,603 |
| DSCR Ratio | 0.32x |
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 1963
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20657, Lusby, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,087 (100%) |
| Owner Occupied HU | 6,053 (74.8%) |
| Renter Occupied HU | 1,232 (15.2%) |
| Vacant Housing Units | 802 ( 9.9%) |
| Median Home Value | $367,668 |
| Average Home Value | $430,451 |
Housing Distribution
Address Breakdown
Residential
7,243
Single Family
7,100
Multi-Family
143
Businesses
202
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 1963
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20657, Lusby, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,087 (100%) |
| Owner Occupied HU | 6,053 (74.8%) |
| Renter Occupied HU | 1,232 (15.2%) |
| Vacant Housing Units | 802 ( 9.9%) |
| Median Home Value | $367,668 |
| Average Home Value | $430,451 |
Housing Distribution
Address Breakdown
Residential
7,243
Single Family
7,100
Multi-Family
143
Businesses
202
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices