312 N Earlton RdHavre De GraceMD21078
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 312 N Earlton Rd, Havre De Grace, MD, 21078 in Havre De Grace fits: $529,804, 5.16% gross yield, and a projected 5% annual appreciation rate adding $146,375 in value within five years. Rental yield 5.16%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.96) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,880/yr in principal paydown and $146,375 in appreciation project a total return of $135,706.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(1,015) | $800 |
City averages based on Havre De Grace market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,280 |
| Total Monthly Debt Service | $3,084 |
| DSCR Ratio | 0.74x |
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 1983
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21078, Havre De Grace, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,099 (100%) |
| Owner Occupied HU | 6,294 (69.2%) |
| Renter Occupied HU | 2,219 (24.4%) |
| Vacant Housing Units | 586 ( 6.4%) |
| Median Home Value | $445,721 |
| Average Home Value | $488,694 |
Housing Distribution
Address Breakdown
Residential
8,782
Single Family
8,082
Multi-Family
700
Businesses
591
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 1983
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21078, Havre De Grace, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,099 (100%) |
| Owner Occupied HU | 6,294 (69.2%) |
| Renter Occupied HU | 2,219 (24.4%) |
| Vacant Housing Units | 586 ( 6.4%) |
| Median Home Value | $445,721 |
| Average Home Value | $488,694 |
Housing Distribution
Address Breakdown
Residential
8,782
Single Family
8,082
Multi-Family
700
Businesses
591
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Iftikhar Khan • RE/MAX Galaxy
Mls Name: Bright MLS
Mls ID: #MDHR2046154