3901 Shadywood CtJeffersonMD21755
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 3901 Shadywood Ct, Jefferson, MD, 21755 in Jefferson delivers $3,058/mo in gross rent and $570/mo in net monthly income at a $400,000 entry. The 9.17% yield and 1.70 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $110,513 over five years and $3,684/yr in equity from loan paydown, total projected return is $188,386.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $570 | $1,200 |
City averages based on Jefferson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,058 |
| Total Monthly Debt Service | $2,329 |
| DSCR Ratio | 1.31x |
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.
Single Family
Built in 1971
0.35 Acres 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
Single Family
Built in 1971
0.35 Acres 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