25530 Joy LnDamascusMD20872
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.02% yield at 25530 Joy Ln, Damascus, MD, 20872 in Damascus is solid, but the $2,465/mo payment compresses net cash flow to $124/mo at $519,990. 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 $143,664 by year five, and $4,359/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.41) without U.S. income documentation. Total projected return: $203,092.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.5% |
| Monthly Cash Flow | $124 | $850 |
City averages based on Damascus 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 | $3,476 |
| Total Monthly Debt Service | $3,154 |
| 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.
Townhouse
Built in 2009
1,804 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20872, Damascus, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,581 (100%) |
| Owner Occupied HU | 3,781 (82.5%) |
| Renter Occupied HU | 641 (14.0%) |
| Vacant Housing Units | 159 ( 3.5%) |
| Median Home Value | $553,242 |
| Average Home Value | $587,193 |
Housing Distribution
Address Breakdown
Residential
4,726
Single Family
4,651
Multi-Family
75
Businesses
347
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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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