3644 Benson AveBaltimoreMD21227
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 3644 Benson Ave, Baltimore, MD, 21227 in Baltimore: $1,297/mo in rent, $246/mo in net income, 9.21% gross yield, 1.71 DSCR, all at $169,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $46,692 in appreciation and $1,557/yr in principal paydown projects total cumulative return of $79,963.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 4.8% |
| Monthly Cash Flow | $246 | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,297 |
| Total Monthly Debt Service | $984 |
| DSCR Ratio | 1.32x |
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.
Townhouse
Built in 1952
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21227, Halethorpe, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,782 (100%) |
| Owner Occupied HU | 8,244 (59.8%) |
| Renter Occupied HU | 4,715 (34.2%) |
| Vacant Housing Units | 823 ( 6.0%) |
| Median Home Value | $328,317 |
| Average Home Value | $368,618 |
Housing Distribution
Address Breakdown
Residential
13,155
Single Family
12,405
Multi-Family
750
Businesses
1,273
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
Townhouse
Built in 1952
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21227, Halethorpe, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,782 (100%) |
| Owner Occupied HU | 8,244 (59.8%) |
| Renter Occupied HU | 4,715 (34.2%) |
| Vacant Housing Units | 823 ( 6.0%) |
| Median Home Value | $328,317 |
| Average Home Value | $368,618 |
Housing Distribution
Address Breakdown
Residential
13,155
Single Family
12,405
Multi-Family
750
Businesses
1,273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices