3819 Hickory AveBaltimoreMD21211
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 3819 Hickory Ave, Baltimore, MD, 21211 in Baltimore at $384,999. Rental yield 6.82%. The 6.82% yield and 1.26 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 $106,368 by year five, and $3,546/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $132,832.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 4.8% |
| Monthly Cash Flow | $(206) | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,189 |
| Total Monthly Debt Service | $2,241 |
| DSCR Ratio | 0.98x |
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.
Townhouse
Built in 1880
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21211, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,433 (100%) |
| Owner Occupied HU | 4,555 (48.3%) |
| Renter Occupied HU | 4,025 (42.7%) |
| Vacant Housing Units | 853 ( 9.0%) |
| Median Home Value | $321,419 |
| Average Home Value | $342,025 |
Housing Distribution
Address Breakdown
Residential
8,995
Single Family
6,669
Multi-Family
2,326
Businesses
958
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 1880
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21211, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,433 (100%) |
| Owner Occupied HU | 4,555 (48.3%) |
| Renter Occupied HU | 4,025 (42.7%) |
| Vacant Housing Units | 853 ( 9.0%) |
| Median Home Value | $321,419 |
| Average Home Value | $342,025 |
Housing Distribution
Address Breakdown
Residential
8,995
Single Family
6,669
Multi-Family
2,326
Businesses
958
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices