4216 Indian Head HwyIndian HeadMD20640
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4216 Indian Head Hwy, Indian Head, MD, 20640 in Indian Head. Priced at $344,500, it generates $2,880/mo in gross rent and $737/mo in net monthly cash flow, a 10.03% yield that comfortably supports the 1.86 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,849. Five-year appreciation: $95,179. Equity from principal paydown: $3,173/yr. Total projected cumulative return: $162,973.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $737 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,880 |
| Total Monthly Debt Service | $2,259 |
| DSCR Ratio | 1.28x |
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 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20640, Indian Head, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,307 (100%) |
| Owner Occupied HU | 3,155 (73.3%) |
| Renter Occupied HU | 788 (18.3%) |
| Vacant Housing Units | 364 ( 8.5%) |
| Median Home Value | $386,296 |
| Average Home Value | $384,574 |
Housing Distribution
Address Breakdown
Residential
3,983
Single Family
3,958
Multi-Family
25
Businesses
145
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 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20640, Indian Head, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,307 (100%) |
| Owner Occupied HU | 3,155 (73.3%) |
| Renter Occupied HU | 788 (18.3%) |
| Vacant Housing Units | 364 ( 8.5%) |
| Median Home Value | $386,296 |
| Average Home Value | $384,574 |
Housing Distribution
Address Breakdown
Residential
3,983
Single Family
3,958
Multi-Family
25
Businesses
145
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices