3025 Rock DrRivaMD21140
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 3025 Rock Dr, Riva, MD, 21140 in Riva at $585,000 earns $3,666/mo in rent and nets $28/mo after the $2,631/mo payment, a 7.52% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $161,625 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $5,388/yr in principal paydown, total projected return reaches $223,647.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.0% |
| Monthly Cash Flow | $28 | $350 |
City averages based on Riva market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,666 |
| Total Monthly Debt Service | $3,406 |
| DSCR Ratio | 1.08x |
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 1971
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21140, Riva, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,272 (100%) |
| Owner Occupied HU | 1,089 (85.6%) |
| Renter Occupied HU | 127 ( 10.0%) |
| Vacant Housing Units | 56 ( 4.4%) |
| Median Home Value | $661,299 |
| Average Home Value | $765,080 |
Housing Distribution
Address Breakdown
Residential
1,361
Single Family
1,361
Multi-Family
0
Businesses
70
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 1971
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21140, Riva, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,272 (100%) |
| Owner Occupied HU | 1,089 (85.6%) |
| Renter Occupied HU | 127 ( 10.0%) |
| Vacant Housing Units | 56 ( 4.4%) |
| Median Home Value | $661,299 |
| Average Home Value | $765,080 |
Housing Distribution
Address Breakdown
Residential
1,361
Single Family
1,361
Multi-Family
0
Businesses
70
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices