400 Jefferson StAnnapolisMD21403
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Annapolis rentals match the income profile of 400 Jefferson St, Annapolis, MD, 21403. Listed at $362,367, gross rent is $3,792/mo and net cash flow is $1,433/mo, a 12.56% yield well above national averages. DSCR 2.33 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $100,115 by year five with $3,337/yr in annual principal reduction, projecting $230,220 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 5.4% |
| Monthly Cash Flow | $1,433 | $1,850 |
City averages based on Annapolis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,792 |
| Total Monthly Debt Service | $2,214 |
| DSCR Ratio | 1.71x |
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 1940
6,141 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21403, Annapolis, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,308 (100%) |
| Owner Occupied HU | 8,614 (60.2%) |
| Renter Occupied HU | 4,389 (30.7%) |
| Vacant Housing Units | 1,305 ( 9.1%) |
| Median Home Value | $651,444 |
| Average Home Value | $764,644 |
Housing Distribution
Address Breakdown
Residential
13,952
Single Family
10,117
Multi-Family
3,835
Businesses
800
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 1940
6,141 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21403, Annapolis, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,308 (100%) |
| Owner Occupied HU | 8,614 (60.2%) |
| Renter Occupied HU | 4,389 (30.7%) |
| Vacant Housing Units | 1,305 ( 9.1%) |
| Median Home Value | $651,444 |
| Average Home Value | $764,644 |
Housing Distribution
Address Breakdown
Residential
13,952
Single Family
10,117
Multi-Family
3,835
Businesses
800
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices