4206 Graceton RdPylesvilleMD21132
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 1.06% gross rental yield, 4206 Graceton Rd, Pylesville, MD, 21132 in Pylesville is priced for capital growth, not immediate cash flow. The $1,900,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $524,935 by year five, with $17,499/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.20) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $68,370.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.1% | 6.0% |
| Monthly Cash Flow | $(10,137) | $350 |
City averages based on Pylesville market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,680 |
| Total Monthly Debt Service | $11,061 |
| DSCR Ratio | 0.15x |
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 1920
57.70 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 1920
57.70 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: Aimee C O'Neill • O'Neill Enterprises Realty
Mls Name: Bright MLS
Mls ID: #MDHR2045534