4036 Roop RdNew WindsorMD21776
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4036 Roop Rd, New Windsor, MD, 21776 in New Windsor is capital appreciation. Rental yield 5.7%. The 5.7% gross yield at $765,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $211,355 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.06) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $217,750.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.5% |
| Monthly Cash Flow | $(1,126) | $200 |
City averages based on New Windsor market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,632 |
| Total Monthly Debt Service | $4,454 |
| DSCR Ratio | 0.82x |
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 1988
1.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21776, New Windsor, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,555 (100%) |
| Owner Occupied HU | 2,129 (83.3%) |
| Renter Occupied HU | 296 (11.6%) |
| Vacant Housing Units | 130 ( 5.1%) |
| Median Home Value | $516,236 |
| Average Home Value | $553,970 |
Housing Distribution
Address Breakdown
Residential
2,082
Single Family
2,082
Multi-Family
0
Businesses
113
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 1988
1.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21776, New Windsor, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,555 (100%) |
| Owner Occupied HU | 2,129 (83.3%) |
| Renter Occupied HU | 296 (11.6%) |
| Vacant Housing Units | 130 ( 5.1%) |
| Median Home Value | $516,236 |
| Average Home Value | $553,970 |
Housing Distribution
Address Breakdown
Residential
2,082
Single Family
2,082
Multi-Family
0
Businesses
113
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDCR2034090