3608 Churchville RdAberdeenMD21001
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 3608 Churchville Rd, Aberdeen, MD, 21001 in Aberdeen at $414,900. Rental yield 6.96%. The 6.96% yield and 1.29 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $114,629 by year five, and $3,821/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $146,094.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.5% |
| Monthly Cash Flow | $(176) | $320 |
City averages based on Aberdeen market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,405 |
| Total Monthly Debt Service | $2,415 |
| DSCR Ratio | 1.00x |
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 1950
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21001, Aberdeen, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,886 (100%) |
| Owner Occupied HU | 7,482 (58.1%) |
| Renter Occupied HU | 4,468 (34.7%) |
| Vacant Housing Units | 936 ( 7.3%) |
| Median Home Value | $348,584 |
| Average Home Value | $420,044 |
Housing Distribution
Address Breakdown
Residential
11,341
Single Family
9,363
Multi-Family
1,978
Businesses
697
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 1950
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21001, Aberdeen, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,886 (100%) |
| Owner Occupied HU | 7,482 (58.1%) |
| Renter Occupied HU | 4,468 (34.7%) |
| Vacant Housing Units | 936 ( 7.3%) |
| Median Home Value | $348,584 |
| Average Home Value | $420,044 |
Housing Distribution
Address Breakdown
Residential
11,341
Single Family
9,363
Multi-Family
1,978
Businesses
697
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices