31207 Gold Plains Rd SELittle OrleansMD21766
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 31207 Gold Plains Rd SE, Little Orleans, MD, 21766 in Little Orleans worth study. Rental yield 5.8%. The 5.8% gross yield is below cash-flow benchmarks at $250,000, but 5% annual appreciation, adding $69,070 over five years, frames this as a capital growth position. Rent of $1,208/mo partially offsets the $1,124/mo payment. Ziffy Mortgage finances appreciation-play properties (1.07 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $72,517.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.2% |
| Monthly Cash Flow | $(346) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,208 |
| Total Monthly Debt Service | $1,455 |
| DSCR Ratio | 0.83x |
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 1984
5.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21766, Little Orleans, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 457 (100%) |
| Owner Occupied HU | 222 (48.6%) |
| Renter Occupied HU | 38 ( 8.3%) |
| Vacant Housing Units | 197 (43.1%) |
| Median Home Value | $251,887 |
| Average Home Value | $267,691 |
Housing Distribution
Address Breakdown
Residential
297
Single Family
297
Multi-Family
0
Businesses
7
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 1984
5.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21766, Little Orleans, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 457 (100%) |
| Owner Occupied HU | 222 (48.6%) |
| Renter Occupied HU | 38 ( 8.3%) |
| Vacant Housing Units | 197 (43.1%) |
| Median Home Value | $251,887 |
| Average Home Value | $267,691 |
Housing Distribution
Address Breakdown
Residential
297
Single Family
297
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDAL2014000