4205 Nicholas AveBaltimoreMD21206
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4205 Nicholas Ave, Baltimore, MD, 21206 in Baltimore speaks for itself: 19.67% gross on a $138,500 price, generating $2,270/mo in rent and $1,348/mo in net income after the $623/mo debt service. DSCR 3.64, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,175 stacks alongside $38,265 in projected five-year appreciation and $1,276/yr in principal reduction. Projected total cumulative return: $139,536.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.7% | 4.8% |
| Monthly Cash Flow | $1,348 | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,270 |
| Total Monthly Debt Service | $867 |
| DSCR Ratio | 2.62x |
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.
Townhouse
Built in 1928
1,808 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21206, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,951 (100%) |
| Owner Occupied HU | 11,208 (53.5%) |
| Renter Occupied HU | 8,047 (38.4%) |
| Vacant Housing Units | 1,696 ( 8.1%) |
| Median Home Value | $241,785 |
| Average Home Value | $281,925 |
Housing Distribution
Address Breakdown
Residential
20,274
Single Family
15,258
Multi-Family
5,016
Businesses
715
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
Townhouse
Built in 1928
1,808 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21206, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,951 (100%) |
| Owner Occupied HU | 11,208 (53.5%) |
| Renter Occupied HU | 8,047 (38.4%) |
| Vacant Housing Units | 1,696 ( 8.1%) |
| Median Home Value | $241,785 |
| Average Home Value | $281,925 |
Housing Distribution
Address Breakdown
Residential
20,274
Single Family
15,258
Multi-Family
5,016
Businesses
715
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices