3741 Boarman AveBaltimoreMD21215
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3741 Boarman Ave, Baltimore, MD, 21215 in Baltimore is narrow, $140/mo net on $793/mo rent after the $472/mo debt service, but the property operates at break-even-plus, not a loss. At $105,000 with a 9.06% yield, the long-run equity case via 5% appreciation ($29,010 over five years) and $967/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.68 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $48,843.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 4.8% |
| Monthly Cash Flow | $140 | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $793 |
| Total Monthly Debt Service | $611 |
| DSCR Ratio | 1.30x |
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 1940
3,468 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21215, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,693 (100%) |
| Owner Occupied HU | 10,748 (41.8%) |
| Renter Occupied HU | 11,355 (44.2%) |
| Vacant Housing Units | 3,590 (14.0%) |
| Median Home Value | $232,847 |
| Average Home Value | $277,818 |
Housing Distribution
Address Breakdown
Residential
23,351
Single Family
16,062
Multi-Family
7,289
Businesses
1,556
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 1940
3,468 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21215, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,693 (100%) |
| Owner Occupied HU | 10,748 (41.8%) |
| Renter Occupied HU | 11,355 (44.2%) |
| Vacant Housing Units | 3,590 (14.0%) |
| Median Home Value | $232,847 |
| Average Home Value | $277,818 |
Housing Distribution
Address Breakdown
Residential
23,351
Single Family
16,062
Multi-Family
7,289
Businesses
1,556
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices