415 Saint Marys RdPylesvilleMD21132
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 415 Saint Marys Rd, Pylesville, MD, 21132 in Pylesville. At $659,000 it earns $4,386/mo in rent and distributes $287/mo to the owner after the $2,963/mo payment, a consistent 7.99% yield. DSCR 1.48 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $182,070 in value; $6,069/yr in principal paydown compounds ownership stake. Total projected return: $268,478.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $287 | $350 |
City averages based on Pylesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,386 |
| Total Monthly Debt Service | $3,836 |
| DSCR Ratio | 1.14x |
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 1980
2.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21132, Pylesville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,156 (100%) |
| Owner Occupied HU | 1,013 (87.6%) |
| Renter Occupied HU | 103 ( 8.9%) |
| Vacant Housing Units | 40 ( 3.5%) |
| Median Home Value | $590,372 |
| Average Home Value | $622,569 |
Housing Distribution
Address Breakdown
Residential
1,011
Single Family
1,011
Multi-Family
0
Businesses
30
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 1980
2.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21132, Pylesville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,156 (100%) |
| Owner Occupied HU | 1,013 (87.6%) |
| Renter Occupied HU | 103 ( 8.9%) |
| Vacant Housing Units | 40 ( 3.5%) |
| Median Home Value | $590,372 |
| Average Home Value | $622,569 |
Housing Distribution
Address Breakdown
Residential
1,011
Single Family
1,011
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Riley Jamison • Charles H. Jamison, LLC
Mls Name: Bright MLS
Mls ID: #MDHR2050958