3925 Shamrock CtPort RepublicMD20676
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3925 Shamrock Ct, Port Republic, MD, 20676 in Port Republic. Rental yield 3.78%. At $950,000 with 3.78% gross yield, current distributions are modest, but the 5% appreciation rate projects $262,467 in new equity by year five, complemented by $8,750/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.70) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $172,827.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 7.2% |
| Monthly Cash Flow | $(2,915) | $350 |
City averages based on Port Republic market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,994 |
| Total Monthly Debt Service | $5,531 |
| DSCR Ratio | 0.54x |
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 1979
1.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20676, Port Republic, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,472 (100%) |
| Owner Occupied HU | 1,133 (77.0%) |
| Renter Occupied HU | 138 ( 9.4%) |
| Vacant Housing Units | 201 (13.7%) |
| Median Home Value | $497,804 |
| Average Home Value | $532,824 |
Housing Distribution
Address Breakdown
Residential
1,409
Single Family
1,409
Multi-Family
0
Businesses
39
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 1979
1.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20676, Port Republic, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,472 (100%) |
| Owner Occupied HU | 1,133 (77.0%) |
| Renter Occupied HU | 138 ( 9.4%) |
| Vacant Housing Units | 201 (13.7%) |
| Median Home Value | $497,804 |
| Average Home Value | $532,824 |
Housing Distribution
Address Breakdown
Residential
1,409
Single Family
1,409
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angie Jewell • O'Brien Realty ERA Powered
Mls Name: Bright MLS
Mls ID: #MDCA2024058