27947 Fairmount RdWestoverMD21871
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 27947 Fairmount Rd, Westover, MD, 21871 in Westover is capital appreciation. Rental yield 3.05%. The 3.05% gross yield at $1,300,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $359,166 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.57) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $185,686.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.5% |
| Monthly Cash Flow | $(4,777) | $350 |
City averages based on Westover market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,308 |
| Total Monthly Debt Service | $7,568 |
| DSCR Ratio | 0.44x |
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 1880
156 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21871, Westover, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 951 (100%) |
| Owner Occupied HU | 627 (65.9%) |
| Renter Occupied HU | 154 (16.2%) |
| Vacant Housing Units | 170 (17.9%) |
| Median Home Value | $243,142 |
| Average Home Value | $376,651 |
Housing Distribution
Address Breakdown
Residential
882
Single Family
882
Multi-Family
0
Businesses
66
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 1880
156 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21871, Westover, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 951 (100%) |
| Owner Occupied HU | 627 (65.9%) |
| Renter Occupied HU | 154 (16.2%) |
| Vacant Housing Units | 170 (17.9%) |
| Median Home Value | $243,142 |
| Average Home Value | $376,651 |
Housing Distribution
Address Breakdown
Residential
882
Single Family
882
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices