4013 Paddrick RdDarlingtonMD21034
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 4013 Paddrick Rd, Darlington, MD, 21034 in Darlington is listed at $299,900 and delivers $2,357/mo in rent and $492/mo in net monthly cash flow. The 9.43% yield and 1.75 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $82,857 over five years, and $2,762/yr in principal reduction supplements cash return. Total projected cumulative return: $145,387.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $492 | $850 |
City averages based on Darlington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,357 |
| Total Monthly Debt Service | $1,746 |
| DSCR Ratio | 1.35x |
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 1965
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21034, Darlington, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,359 (100%) |
| Owner Occupied HU | 1,065 (78.4%) |
| Renter Occupied HU | 193 (14.2%) |
| Vacant Housing Units | 101 ( 7.4%) |
| Median Home Value | $537,539 |
| Average Home Value | $599,085 |
Housing Distribution
Address Breakdown
Residential
1,371
Single Family
1,359
Multi-Family
12
Businesses
90
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 1965
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21034, Darlington, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,359 (100%) |
| Owner Occupied HU | 1,065 (78.4%) |
| Renter Occupied HU | 193 (14.2%) |
| Vacant Housing Units | 101 ( 7.4%) |
| Median Home Value | $537,539 |
| Average Home Value | $599,085 |
Housing Distribution
Address Breakdown
Residential
1,371
Single Family
1,359
Multi-Family
12
Businesses
90
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices