3415 Copley RdBaltimoreMD21215
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play3415 Copley Rd, Baltimore, MD, 21215 in Baltimore is priced for appreciation, not yield. Rental yield 5.48%. At $624,900 with a 5.48% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $172,648 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.01) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $170,389.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 4.8% |
| Monthly Cash Flow | $(1,035) | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,851 |
| Total Monthly Debt Service | $3,638 |
| DSCR Ratio | 0.78x |
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 1921
10,419 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21215, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,693 (100%) |
| Owner Occupied HU | 10,748 (41.8%) |
| Renter Occupied HU | 11,355 (44.2%) |
| Vacant Housing Units | 3,590 (14.0%) |
| Median Home Value | $232,847 |
| Average Home Value | $277,818 |
Housing Distribution
Address Breakdown
Residential
23,351
Single Family
16,062
Multi-Family
7,289
Businesses
1,556
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 1921
10,419 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21215, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,693 (100%) |
| Owner Occupied HU | 10,748 (41.8%) |
| Renter Occupied HU | 11,355 (44.2%) |
| Vacant Housing Units | 3,590 (14.0%) |
| Median Home Value | $232,847 |
| Average Home Value | $277,818 |
Housing Distribution
Address Breakdown
Residential
23,351
Single Family
16,062
Multi-Family
7,289
Businesses
1,556
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices