3430 Elsa AveWaldorfMD20603
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 3430 Elsa Ave, Waldorf, MD, 20603 in Waldorf: $5,208/mo in rent, $1,477/mo net, 10.42% gross yield, all on a $599,900 acquisition. The 1.93 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 $165,741 in value, and $5,525/yr in principal paydown steadily builds equity. Projected total cumulative return: $322,596.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.5% |
| Monthly Cash Flow | $1,477 | $450 |
City averages based on Waldorf market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,208 |
| Total Monthly Debt Service | $3,492 |
| DSCR Ratio | 1.49x |
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 2025
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20603, Waldorf, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,544 (100%) |
| Owner Occupied HU | 8,835 (76.5%) |
| Renter Occupied HU | 2,333 (20.2%) |
| Vacant Housing Units | 376 ( 3.3%) |
| Median Home Value | $443,284 |
| Average Home Value | $474,962 |
Housing Distribution
Address Breakdown
Residential
11,817
Single Family
11,051
Multi-Family
766
Businesses
410
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 2025
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20603, Waldorf, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,544 (100%) |
| Owner Occupied HU | 8,835 (76.5%) |
| Renter Occupied HU | 2,333 (20.2%) |
| Vacant Housing Units | 376 ( 3.3%) |
| Median Home Value | $443,284 |
| Average Home Value | $474,962 |
Housing Distribution
Address Breakdown
Residential
11,817
Single Family
11,051
Multi-Family
766
Businesses
410
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices