34698 Railroad AvePittsvilleMD21850
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 34698 Railroad Ave, Pittsville, MD, 21850 in Pittsville is straightforward: $346,000 in, $2,810/mo in rent, $658/mo out after debt service. The 9.75% gross yield and 1.81 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $95,593 by year five. With $3,187/yr in principal equity, the total cumulative return is projected at $173,593.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 8.0% |
| Monthly Cash Flow | $658 | $700 |
City averages based on Pittsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,810 |
| Total Monthly Debt Service | $2,014 |
| DSCR Ratio | 1.40x |
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 2005
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21850, Pittsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,345 (100%) |
| Owner Occupied HU | 962 (71.5%) |
| Renter Occupied HU | 263 (19.6%) |
| Vacant Housing Units | 120 ( 8.9%) |
| Median Home Value | $247,509 |
| Average Home Value | $315,133 |
Housing Distribution
Address Breakdown
Residential
1,328
Single Family
1,328
Multi-Family
0
Businesses
72
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 2005
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21850, Pittsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,345 (100%) |
| Owner Occupied HU | 962 (71.5%) |
| Renter Occupied HU | 263 (19.6%) |
| Vacant Housing Units | 120 ( 8.9%) |
| Median Home Value | $247,509 |
| Average Home Value | $315,133 |
Housing Distribution
Address Breakdown
Residential
1,328
Single Family
1,328
Multi-Family
0
Businesses
72
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Donna Harrington • Coldwell Banker Realty
Mls Name: Bright MLS
Mls ID: #MDWC2020904