2837 Patapsco RdFinksburgMD21048
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 2837 Patapsco Rd, Finksburg, MD, 21048 in Finksburg: $2,695/mo in rent, $1,999/mo net, 28.88% gross yield, all on a $112,000 acquisition. The 5.35 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $30,944 in value, and $1,032/yr in principal paydown steadily builds equity. Projected total cumulative return: $171,082.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 28.9% | 6.8% |
| Monthly Cash Flow | $1,999 | $350 |
City averages based on Finksburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,695 |
| Total Monthly Debt Service | $652 |
| DSCR Ratio | 4.13x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1900
9,539 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21048, Finksburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,204 (100%) |
| Owner Occupied HU | 3,739 (88.9%) |
| Renter Occupied HU | 321 ( 7.6%) |
| Vacant Housing Units | 144 ( 3.4%) |
| Median Home Value | $510,683 |
| Average Home Value | $563,145 |
Housing Distribution
Address Breakdown
Residential
4,091
Single Family
4,084
Multi-Family
7
Businesses
312
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 1900
9,539 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21048, Finksburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,204 (100%) |
| Owner Occupied HU | 3,739 (88.9%) |
| Renter Occupied HU | 321 ( 7.6%) |
| Vacant Housing Units | 144 ( 3.4%) |
| Median Home Value | $510,683 |
| Average Home Value | $563,145 |
Housing Distribution
Address Breakdown
Residential
4,091
Single Family
4,084
Multi-Family
7
Businesses
312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices