3500 Galloway RdBaltimoreMD21220
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3500 Galloway Rd, Baltimore, MD, 21220 in Baltimore worth study. Rental yield 1.71%. The 1.71% gross yield is below cash-flow benchmarks at $1,400,000, but 5% annual appreciation, adding $386,794 over five years, frames this as a capital growth position. Rent of $1,991/mo partially offsets the $6,295/mo payment. Ziffy Mortgage finances appreciation-play properties (0.32 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $98,847.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 4.8% |
| Monthly Cash Flow | $(6,716) | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,991 |
| Total Monthly Debt Service | $8,150 |
| DSCR Ratio | 0.24x |
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 1949
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21220, Middle River, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,638 (100%) |
| Owner Occupied HU | 11,529 (61.9%) |
| Renter Occupied HU | 5,869 (31.5%) |
| Vacant Housing Units | 1,240 ( 6.7%) |
| Median Home Value | $340,792 |
| Average Home Value | $401,193 |
Housing Distribution
Address Breakdown
Residential
18,191
Single Family
15,961
Multi-Family
2,230
Businesses
865
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 1949
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21220, Middle River, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,638 (100%) |
| Owner Occupied HU | 11,529 (61.9%) |
| Renter Occupied HU | 5,869 (31.5%) |
| Vacant Housing Units | 1,240 ( 6.7%) |
| Median Home Value | $340,792 |
| Average Home Value | $401,193 |
Housing Distribution
Address Breakdown
Residential
18,191
Single Family
15,961
Multi-Family
2,230
Businesses
865
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices