327 Saint Marys Ave #7-DLa PlataMD20646
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 327 Saint Marys Ave #7-D, La Plata, MD, 20646 in La Plata. Priced at $225,000, it generates $2,712/mo in gross rent and $1,088/mo in net monthly cash flow, a 14.46% yield that comfortably supports the 2.68 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $13,051. Five-year appreciation: $62,163. Equity from principal paydown: $2,072/yr. Total projected cumulative return: $156,300.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.5% | 7.0% |
| Monthly Cash Flow | $1,088 | $250 |
City averages based on La Plata market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,712 |
| Total Monthly Debt Service | $1,535 |
| DSCR Ratio | 1.77x |
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.
Condo
Built in 1974
N/A lot
$N/A/sqft
$225 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20646, La Plata, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,606 (100%) |
| Owner Occupied HU | 6,894 (80.1%) |
| Renter Occupied HU | 1,353 (15.7%) |
| Vacant Housing Units | 359 ( 4.2%) |
| Median Home Value | $485,791 |
| Average Home Value | $513,060 |
Housing Distribution
Address Breakdown
Residential
8,242
Single Family
7,917
Multi-Family
325
Businesses
809
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
Condo
Built in 1974
N/A lot
$N/A/sqft
$225 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20646, La Plata, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,606 (100%) |
| Owner Occupied HU | 6,894 (80.1%) |
| Renter Occupied HU | 1,353 (15.7%) |
| Vacant Housing Units | 359 ( 4.2%) |
| Median Home Value | $485,791 |
| Average Home Value | $513,060 |
Housing Distribution
Address Breakdown
Residential
8,242
Single Family
7,917
Multi-Family
325
Businesses
809
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices