4220 Crystal Ct UNIT 2DHampsteadMD21074
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4220 Crystal Ct UNIT 2D, Hampstead, MD, 21074 in Hampstead is narrow, $138/mo net on $1,419/mo rent after the $926/mo debt service, but the property operates at break-even-plus, not a loss. At $205,900 with a 8.27% yield, the long-run equity case via 5% appreciation ($56,886 over five years) and $1,896/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.53 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $87,040.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.1% |
| Monthly Cash Flow | $138 | $320 |
City averages based on Hampstead market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,419 |
| Total Monthly Debt Service | $1,199 |
| 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.
Condo
Built in 1990
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21074, Hampstead, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,200 (100%) |
| Owner Occupied HU | 5,069 (81.8%) |
| Renter Occupied HU | 898 (14.5%) |
| Vacant Housing Units | 233 ( 3.8%) |
| Median Home Value | $400,730 |
| Average Home Value | $470,781 |
Housing Distribution
Address Breakdown
Residential
6,016
Single Family
5,795
Multi-Family
221
Businesses
359
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
Condo
Built in 1990
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21074, Hampstead, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,200 (100%) |
| Owner Occupied HU | 5,069 (81.8%) |
| Renter Occupied HU | 898 (14.5%) |
| Vacant Housing Units | 233 ( 3.8%) |
| Median Home Value | $400,730 |
| Average Home Value | $470,781 |
Housing Distribution
Address Breakdown
Residential
6,016
Single Family
5,795
Multi-Family
221
Businesses
359
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices