4158 Ocean GtwyViennaMD21869
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4158 Ocean Gtwy, Vienna, MD, 21869 in Vienna at $264,900 earns $1,824/mo in rent and nets $176/mo after the $1,191/mo payment, a 8.26% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $73,187 over five years. Ziffy Mortgage underwrites this on a 1.53 DSCR without U.S. credit history. With $2,440/yr in principal paydown, total projected return reaches $111,838.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.0% |
| Monthly Cash Flow | $176 | $900 |
City averages based on Vienna market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,824 |
| Total Monthly Debt Service | $1,542 |
| DSCR Ratio | 1.18x |
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 1968
1.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21869, Vienna, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 485 (100%) |
| Owner Occupied HU | 336 (69.3%) |
| Renter Occupied HU | 55 (11.3%) |
| Vacant Housing Units | 94 (19.4%) |
| Median Home Value | $294,643 |
| Average Home Value | $341,406 |
Housing Distribution
Address Breakdown
Residential
310
Single Family
310
Multi-Family
0
Businesses
48
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 1968
1.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21869, Vienna, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 485 (100%) |
| Owner Occupied HU | 336 (69.3%) |
| Renter Occupied HU | 55 (11.3%) |
| Vacant Housing Units | 94 (19.4%) |
| Median Home Value | $294,643 |
| Average Home Value | $341,406 |
Housing Distribution
Address Breakdown
Residential
310
Single Family
310
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices