406 Lincoln StDentonMD21629
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 406 Lincoln St, Denton, MD, 21629 in Denton speaks for itself: 11.64% gross on a $184,900 price, generating $1,794/mo in rent and $644/mo in net income after the $831/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 $7,728 stacks alongside $51,084 in projected five-year appreciation and $1,703/yr in principal reduction. Projected total cumulative return: $111,668.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 5.8% |
| Monthly Cash Flow | $644 | $750 |
City averages based on Denton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,794 |
| Total Monthly Debt Service | $1,076 |
| 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.
Single Family
Built in 1948
2,883 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21629, Denton, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,010 (100%) |
| Owner Occupied HU | 2,727 (68.0%) |
| Renter Occupied HU | 998 (24.9%) |
| Vacant Housing Units | 285 ( 7.1%) |
| Median Home Value | $332,088 |
| Average Home Value | $383,294 |
Housing Distribution
Address Breakdown
Residential
3,909
Single Family
3,801
Multi-Family
108
Businesses
488
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 1948
2,883 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21629, Denton, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,010 (100%) |
| Owner Occupied HU | 2,727 (68.0%) |
| Renter Occupied HU | 998 (24.9%) |
| Vacant Housing Units | 285 ( 7.1%) |
| Median Home Value | $332,088 |
| Average Home Value | $383,294 |
Housing Distribution
Address Breakdown
Residential
3,909
Single Family
3,801
Multi-Family
108
Businesses
488
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices