3214 Otis StMount RainierMD20712
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3214 Otis St, Mount Rainier, MD, 20712 in Mount Rainier is narrow, $98/mo net on $3,890/mo rent after the $2,282/mo debt service, but the property operates at break-even-plus, not a loss. At $507,600 with a 9.2% yield, the long-run equity case via 5% appreciation ($140,241 over five years) and $4,675/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.70 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $201,663.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.2% |
| Monthly Cash Flow | $98 | $850 |
City averages based on Mount Rainier market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,890 |
| Total Monthly Debt Service | $3,590 |
| 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.
Single Family
Built in 1927
3,279 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20712, Mount Rainier, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,976 (100%) |
| Owner Occupied HU | 1,064 (26.8%) |
| Renter Occupied HU | 2,707 (68.1%) |
| Vacant Housing Units | 205 ( 5.2%) |
| Median Home Value | $578,058 |
| Average Home Value | $572,479 |
Housing Distribution
Address Breakdown
Residential
4,019
Single Family
1,281
Multi-Family
2,738
Businesses
180
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 1927
3,279 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20712, Mount Rainier, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,976 (100%) |
| Owner Occupied HU | 1,064 (26.8%) |
| Renter Occupied HU | 2,707 (68.1%) |
| Vacant Housing Units | 205 ( 5.2%) |
| Median Home Value | $578,058 |
| Average Home Value | $572,479 |
Housing Distribution
Address Breakdown
Residential
4,019
Single Family
1,281
Multi-Family
2,738
Businesses
180
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A