3832 Dakota RdHampsteadMD21074
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing3832 Dakota Rd, Hampstead, MD, 21074 in Hampstead is a stable, well-positioned rental at $470,000. Rental yield 6.98%. DSCR 1.29 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $129,852 in value and $4,329/yr in principal paydown builds equity, a total projected return of $166,048.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.1% |
| Monthly Cash Flow | $(207) | $320 |
City averages based on Hampstead market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,732 |
| Total Monthly Debt Service | $2,736 |
| 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 1995
10,335 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21074, Hampstead, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,200 (100%) |
| Owner Occupied HU | 5,069 (81.8%) |
| Renter Occupied HU | 898 (14.5%) |
| Vacant Housing Units | 233 ( 3.8%) |
| Median Home Value | $400,730 |
| Average Home Value | $470,781 |
Housing Distribution
Address Breakdown
Residential
6,016
Single Family
5,795
Multi-Family
221
Businesses
359
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 1995
10,335 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21074, Hampstead, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,200 (100%) |
| Owner Occupied HU | 5,069 (81.8%) |
| Renter Occupied HU | 898 (14.5%) |
| Vacant Housing Units | 233 ( 3.8%) |
| Median Home Value | $400,730 |
| Average Home Value | $470,781 |
Housing Distribution
Address Breakdown
Residential
6,016
Single Family
5,795
Multi-Family
221
Businesses
359
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices