4 Cherrywood AveCumberlandMD21502
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 4 Cherrywood Ave, Cumberland, MD, 21502 in Cumberland the bet is firmly on appreciation. Rental yield 4.02%. The 4.02% gross yield on a $393,990 price is below income-first thresholds, but 5%/yr value growth projects $108,852 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.74) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $76,684.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.5% |
| Monthly Cash Flow | $(1,130) | $350 |
City averages based on Cumberland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,320 |
| Total Monthly Debt Service | $2,294 |
| DSCR Ratio | 0.58x |
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 2026
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21502, Cumberland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,121 (100%) |
| Owner Occupied HU | 11,103 (58.1%) |
| Renter Occupied HU | 4,972 (26.0%) |
| Vacant Housing Units | 3,046 (15.9%) |
| Median Home Value | $165,221 |
| Average Home Value | $212,127 |
Housing Distribution
Address Breakdown
Residential
17,230
Single Family
15,703
Multi-Family
1,527
Businesses
1,428
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 2026
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21502, Cumberland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,121 (100%) |
| Owner Occupied HU | 11,103 (58.1%) |
| Renter Occupied HU | 4,972 (26.0%) |
| Vacant Housing Units | 3,046 (15.9%) |
| Median Home Value | $165,221 |
| Average Home Value | $212,127 |
Housing Distribution
Address Breakdown
Residential
17,230
Single Family
15,703
Multi-Family
1,527
Businesses
1,428
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mary Ann Hammel • Mary Ann Hammel
Mls Name: Bright MLS
Mls ID: #MDAL2013442