42 Johnson RdPasadenaMD21122
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 42 Johnson Rd, Pasadena, MD, 21122 in Pasadena is capital appreciation. Rental yield 4.49%. The 4.49% gross yield at $825,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $227,932 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.83) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $181,244.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.8% |
| Monthly Cash Flow | $(2,046) | $850 |
City averages based on Pasadena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,085 |
| Total Monthly Debt Service | $4,803 |
| DSCR Ratio | 0.64x |
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 1940
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21122, Pasadena, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,123 (100%) |
| Owner Occupied HU | 19,548 (81.0%) |
| Renter Occupied HU | 3,588 (14.9%) |
| Vacant Housing Units | 987 ( 4.1%) |
| Median Home Value | $478,120 |
| Average Home Value | $570,120 |
Housing Distribution
Address Breakdown
Residential
23,864
Single Family
22,920
Multi-Family
944
Businesses
864
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
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21122, Pasadena, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,123 (100%) |
| Owner Occupied HU | 19,548 (81.0%) |
| Renter Occupied HU | 3,588 (14.9%) |
| Vacant Housing Units | 987 ( 4.1%) |
| Median Home Value | $478,120 |
| Average Home Value | $570,120 |
Housing Distribution
Address Breakdown
Residential
23,864
Single Family
22,920
Multi-Family
944
Businesses
864
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices