39783 Hearts Desire LnMechanicsvilleMD20659
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 39783 Hearts Desire Ln, Mechanicsville, MD, 20659 in Mechanicsville speaks for itself: 11.65% gross on a $265,000 price, generating $2,573/mo in rent and $925/mo in net income after the $1,192/mo debt service. DSCR 2.16, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,096 stacks alongside $73,215 in projected five-year appreciation and $2,441/yr in principal reduction. Projected total cumulative return: $160,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $925 | $450 |
City averages based on Mechanicsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,573 |
| Total Monthly Debt Service | $1,543 |
| DSCR Ratio | 1.67x |
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.
Townhouse
Built in 1997
1,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20659, Mechanicsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,777 (100%) |
| Owner Occupied HU | 7,403 (84.3%) |
| Renter Occupied HU | 990 (11.3%) |
| Vacant Housing Units | 384 ( 4.4%) |
| Median Home Value | $439,667 |
| Average Home Value | $481,639 |
Housing Distribution
Address Breakdown
Residential
8,461
Single Family
8,460
Multi-Family
1
Businesses
328
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 1997
1,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20659, Mechanicsville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,777 (100%) |
| Owner Occupied HU | 7,403 (84.3%) |
| Renter Occupied HU | 990 (11.3%) |
| Vacant Housing Units | 384 ( 4.4%) |
| Median Home Value | $439,667 |
| Average Home Value | $481,639 |
Housing Distribution
Address Breakdown
Residential
8,461
Single Family
8,460
Multi-Family
1
Businesses
328
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anna Haugh • Residential Plus Real Estate Services
Mls Name: Bright MLS
Mls ID: #MDSM2029332