27086 Holly LnMechanicsvilleMD20659
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 27086 Holly Ln, Mechanicsville, MD, 20659 in Mechanicsville worth study. Rental yield 5.67%. The 5.67% gross yield is below cash-flow benchmarks at $549,900, but 5% annual appreciation, adding $151,927 over five years, frames this as a capital growth position. Rent of $2,597/mo partially offsets the $2,473/mo payment. Ziffy Mortgage finances appreciation-play properties (1.05 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $155,625.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.0% |
| Monthly Cash Flow | $(823) | $450 |
City averages based on Mechanicsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,597 |
| Total Monthly Debt Service | $3,201 |
| DSCR Ratio | 0.81x |
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 1974
1.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20659, Mechanicsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,777 (100%) |
| Owner Occupied HU | 7,403 (84.3%) |
| Renter Occupied HU | 990 (11.3%) |
| Vacant Housing Units | 384 ( 4.4%) |
| Median Home Value | $439,667 |
| Average Home Value | $481,639 |
Housing Distribution
Address Breakdown
Residential
8,461
Single Family
8,460
Multi-Family
1
Businesses
328
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 1974
1.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20659, Mechanicsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,777 (100%) |
| Owner Occupied HU | 7,403 (84.3%) |
| Renter Occupied HU | 990 (11.3%) |
| Vacant Housing Units | 384 ( 4.4%) |
| Median Home Value | $439,667 |
| Average Home Value | $481,639 |
Housing Distribution
Address Breakdown
Residential
8,461
Single Family
8,460
Multi-Family
1
Businesses
328
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marie Hankinson • EXP Realty, LLC
Mls Name: Bright MLS
Mls ID: #MDSM2025054