228 Main StWarwickMD21912
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 228 Main St, Warwick, MD, 21912 in Warwick earns a 9.41% gross yield at $158,000. Rent of $1,239/mo nets $256/mo after the $710/mo mortgage. The 1.75 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $43,652 and $1,455/yr in equity accumulation project a total cumulative return of $76,471.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $256 | $250 |
City averages based on Warwick market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,239 |
| Total Monthly Debt Service | $920 |
| DSCR Ratio | 1.35x |
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 1946
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21912, Warwick, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 552 (100%) |
| Owner Occupied HU | 377 (68.3%) |
| Renter Occupied HU | 118 (21.4%) |
| Vacant Housing Units | 57 (10.3%) |
| Median Home Value | $567,665 |
| Average Home Value | $524,224 |
Housing Distribution
Address Breakdown
Residential
456
Single Family
456
Multi-Family
0
Businesses
17
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 1946
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21912, Warwick, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 552 (100%) |
| Owner Occupied HU | 377 (68.3%) |
| Renter Occupied HU | 118 (21.4%) |
| Vacant Housing Units | 57 (10.3%) |
| Median Home Value | $567,665 |
| Average Home Value | $524,224 |
Housing Distribution
Address Breakdown
Residential
456
Single Family
456
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices