3203 Stafford StBaltimoreMD21229
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 3203 Stafford St, Baltimore, MD, 21229 in Baltimore: $2,303/mo in rent, $1,358/mo net, 18.93% gross yield, all on a $146,000 acquisition. The 3.51 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $40,337 in value, and $1,345/yr in principal paydown steadily builds equity. Projected total cumulative return: $142,923.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.9% | 4.8% |
| Monthly Cash Flow | $1,358 | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,303 |
| Total Monthly Debt Service | $887 |
| DSCR Ratio | 2.60x |
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.
Single Family
Built in 1920
8,494 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21229, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,053 (100%) |
| Owner Occupied HU | 9,761 (48.7%) |
| Renter Occupied HU | 8,137 (40.6%) |
| Vacant Housing Units | 2,155 (10.7%) |
| Median Home Value | $220,250 |
| Average Home Value | $247,792 |
Housing Distribution
Address Breakdown
Residential
18,511
Single Family
15,601
Multi-Family
2,910
Businesses
622
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 1920
8,494 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21229, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,053 (100%) |
| Owner Occupied HU | 9,761 (48.7%) |
| Renter Occupied HU | 8,137 (40.6%) |
| Vacant Housing Units | 2,155 (10.7%) |
| Median Home Value | $220,250 |
| Average Home Value | $247,792 |
Housing Distribution
Address Breakdown
Residential
18,511
Single Family
15,601
Multi-Family
2,910
Businesses
622
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices