315 E Cold Spring Ln, Baltimore, MD, 21212 | $977/mo Cash Flow

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

Home Type: Single Family

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315 E Cold Spring Ln, Baltimore, MD, 21212 | $977/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Rental property for sale in Baltimore at 315 E Cold Spring Ln, Baltimore, MD, 21212 offers $2,842/mo rent that, after a $1,468/mo payment, leaves $977/mo cash flow. Total monthly income is $2,842/mo, and annual cash flow is $11,718/yr on $99,450 cash. Return on cash invested measures 31.69% in year one, and rental yield stands at 11.37% at a $300,000 entry. Equity gained on principal adds $1,936/yr while 5% annual appreciation compounds into $82,884 by year five. Five-year ROI records 166.07% and total cumulative return in cash reaches $165,156. Lending can use Ziffy Mortgage’s DSCR loan, which structures approval around $2,842/mo property income versus a $1,468/mo payment rather than borrower’s personal income verification through W2s, Salary slips, and Tax returns.

Single Family

Built in 1948

7,840 sqft lot

$N/A/sqft

No HOA

More details about the property

Classic brick charm meets unlimited potential in Baltimore. Step into timeless curb appeal with this 2-story red brick beauty, ideally located near top-rated schools and everyday conveniences. Featuring 3 large bedrooms and 2 full bathrooms, this home is packed with vintage charm and waiting for your modern touch. The main living room welcomes you with a statement stone fireplace, ornate ceiling detail, and rich natural light. The adjoining formal sitting area is dripping with old-world elegance, from the crystal chandeliers to the arched entrywaysoffering a glimpse into the homes storied past. The kitchen, while retro in style, offers great bones and layout potential for a total remodel or restoration. Outdoors, the screened-in porch offers a peaceful retreat surrounded by mature landscaping and a lush green lawn. The home sits proudly on a corner lot, complete with a stone walkway and classic dormer windows, exuding classic 1940s Baltimore architecture. While this home needs TLC and thoughtful renovation, the solid structure and undeniable character make it a dream opportunity for renovators, investors, or families looking to customize a forever home in a well-established neighborhood.

Neighborhood Data

Neighborhood data shown for ZIP Code: 21212, Baltimore, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	14,393 (100%)
Owner Occupied HU	8,572 (59.6%)
Renter Occupied HU	4,608 (32.0%)
Vacant Housing Units	1,213 ( 8.4%)
Median Home Value	$381,989
Average Home Value	$467,085