305 N Main StHurlockMD21643
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 305 N Main St, Hurlock, MD, 21643 in Hurlock hard to pass up. The 10.15% gross yield on a $289,000 purchase results in $2,446/mo in rent and $648/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.88). Annual cash flow of $7,778, five-year appreciation of $79,845, and $2,662/yr in equity build-up combine for a projected total cumulative return of $151,384.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.5% |
| Monthly Cash Flow | $648 | $850 |
City averages based on Hurlock market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,446 |
| Total Monthly Debt Service | $1,682 |
| DSCR Ratio | 1.45x |
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.
Multi Family
Built in 1900
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21643, Hurlock, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,458 (100%) |
| Owner Occupied HU | 1,709 (69.5%) |
| Renter Occupied HU | 502 (20.4%) |
| Vacant Housing Units | 247 (10.0%) |
| Median Home Value | $203,443 |
| Average Home Value | $209,383 |
Housing Distribution
Address Breakdown
Residential
2,121
Single Family
2,093
Multi-Family
28
Businesses
113
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
Multi Family
Built in 1900
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21643, Hurlock, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,458 (100%) |
| Owner Occupied HU | 1,709 (69.5%) |
| Renter Occupied HU | 502 (20.4%) |
| Vacant Housing Units | 247 (10.0%) |
| Median Home Value | $203,443 |
| Average Home Value | $209,383 |
Housing Distribution
Address Breakdown
Residential
2,121
Single Family
2,093
Multi-Family
28
Businesses
113
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices