307 E University PkwyBaltimoreMD21218
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 307 E University Pkwy, Baltimore, MD, 21218 in Baltimore at $400,000 earns $2,517/mo in rent and nets $29/mo after the $1,799/mo payment, a 7.55% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $110,513 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $3,684/yr in principal paydown, total projected return reaches $153,574.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 4.8% |
| Monthly Cash Flow | $29 | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,517 |
| Total Monthly Debt Service | $2,329 |
| 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.
Townhouse
Built in 1915
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21218, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,455 (100%) |
| Owner Occupied HU | 8,607 (38.3%) |
| Renter Occupied HU | 10,655 (47.5%) |
| Vacant Housing Units | 3,193 (14.2%) |
| Median Home Value | $257,917 |
| Average Home Value | $319,896 |
Housing Distribution
Address Breakdown
Residential
20,798
Single Family
14,041
Multi-Family
6,757
Businesses
1,365
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
Townhouse
Built in 1915
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21218, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,455 (100%) |
| Owner Occupied HU | 8,607 (38.3%) |
| Renter Occupied HU | 10,655 (47.5%) |
| Vacant Housing Units | 3,193 (14.2%) |
| Median Home Value | $257,917 |
| Average Home Value | $319,896 |
Housing Distribution
Address Breakdown
Residential
20,798
Single Family
14,041
Multi-Family
6,757
Businesses
1,365
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices