25 E Baltimore StFunkstownMD21734
INVESTMENT ANALYSIS
Investment Verdict
Solid Income25 E Baltimore St, Funkstown, MD, 21734 in Funkstown earns a respectable 8% gross yield at $250,000, but after the $1,185/mo mortgage the net cash flow is $112/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.41) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $69,070 over five years, making equity the dominant return driver. Total projected return: $97,358.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $112 | $450 |
City averages based on Funkstown 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 | $1,667 |
| Total Monthly Debt Service | $1,516 |
| DSCR Ratio | 1.10x |
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 1920
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21734, Funkstown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 372 (100%) |
| Owner Occupied HU | 203 (54.6%) |
| Renter Occupied HU | 145 (39.0%) |
| Vacant Housing Units | 24 ( 6.5%) |
| Median Home Value | $264,041 |
| Average Home Value | $258,325 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
91
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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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