3855 Shadywood Dr Unit 1AJeffersonMD21755
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3855 Shadywood Dr Unit 1A, Jefferson, MD, 21755 in Jefferson. Priced at $255,000, it generates $2,406/mo in gross rent and $562/mo in net monthly cash flow, a 11.32% yield that comfortably supports the 2.10 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,744. Five-year appreciation: $70,452. Equity from principal paydown: $2,349/yr. Total projected cumulative return: $149,519.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.0% |
| Monthly Cash Flow | $562 | $1,200 |
City averages based on Jefferson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,406 |
| Total Monthly Debt Service | $1,485 |
| DSCR Ratio | 1.62x |
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.
Condo
Built in 1994
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21755, Jefferson, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,599 (100%) |
| Owner Occupied HU | 2,241 (86.2%) |
| Renter Occupied HU | 282 (10.9%) |
| Vacant Housing Units | 76 ( 2.9%) |
| Median Home Value | $557,843 |
| Average Home Value | $641,811 |
Housing Distribution
Address Breakdown
Residential
2,277
Single Family
2,174
Multi-Family
103
Businesses
124
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
Condo
Built in 1994
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21755, Jefferson, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,599 (100%) |
| Owner Occupied HU | 2,241 (86.2%) |
| Renter Occupied HU | 282 (10.9%) |
| Vacant Housing Units | 76 ( 2.9%) |
| Median Home Value | $557,843 |
| Average Home Value | $641,811 |
Housing Distribution
Address Breakdown
Residential
2,277
Single Family
2,174
Multi-Family
103
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices