24685 Stoney Hill LnChapticoMD20621
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.49% yield at 24685 Stoney Hill Ln, Chaptico, MD, 20621 in Chaptico is solid, but the $2,275/mo payment compresses net cash flow to $10/mo at $479,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $132,588 by year five, and $4,023/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.32) without U.S. income documentation. Total projected return: $173,715.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.1% |
| Monthly Cash Flow | $10 | $1,200 |
City averages based on Chaptico market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,995 |
| Total Monthly Debt Service | $2,911 |
| DSCR Ratio | 1.03x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1979
4.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20621, Chaptico, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 722 (100%) |
| Owner Occupied HU | 491 (68.0%) |
| Renter Occupied HU | 59 ( 8.2%) |
| Vacant Housing Units | 172 (23.8%) |
| Median Home Value | $487,383 |
| Average Home Value | $536,135 |
Housing Distribution
Address Breakdown
Residential
344
Single Family
344
Multi-Family
0
Businesses
19
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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
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Nearby investment properties with comparable prices
