4108 Prospect RdWhitefordMD21160
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4108 Prospect Rd, Whiteford, MD, 21160 in Whiteford is a top-tier cash-flow asset. At $350,000 it produces $3,211/mo in rent and $1,034/mo in net monthly income, a 11.01% gross rental yield. The DSCR of 2.04 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $12,412. Five-year appreciation adds $96,699, driving a total cumulative return of $199,339.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 5.0% |
| Monthly Cash Flow | $1,034 | $400 |
City averages based on Whiteford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,211 |
| Total Monthly Debt Service | $2,038 |
| DSCR Ratio | 1.58x |
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
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21160, Whiteford, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 970 (100%) |
| Owner Occupied HU | 762 (78.6%) |
| Renter Occupied HU | 163 (16.8%) |
| Vacant Housing Units | 45 ( 4.6%) |
| Median Home Value | $537,383 |
| Average Home Value | $544,915 |
Housing Distribution
Address Breakdown
Residential
938
Single Family
938
Multi-Family
0
Businesses
80
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
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21160, Whiteford, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 970 (100%) |
| Owner Occupied HU | 762 (78.6%) |
| Renter Occupied HU | 163 (16.8%) |
| Vacant Housing Units | 45 ( 4.6%) |
| Median Home Value | $537,383 |
| Average Home Value | $544,915 |
Housing Distribution
Address Breakdown
Residential
938
Single Family
938
Multi-Family
0
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices