428 Buffalo RdLusbyMD20657
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 428 Buffalo Rd, Lusby, MD, 20657 in Lusby speaks for itself: 11.09% gross on a $300,000 price, generating $2,773/mo in rent and $858/mo in net income after the $1,349/mo debt service. DSCR 2.06, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,300 stacks alongside $82,884 in projected five-year appreciation and $2,763/yr in principal reduction. Projected total cumulative return: $172,192.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.5% |
| Monthly Cash Flow | $858 | $320 |
City averages based on Lusby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,773 |
| Total Monthly Debt Service | $1,746 |
| DSCR Ratio | 1.59x |
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.
Single Family
Built in 1992
1,296 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20657, Lusby, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,087 (100%) |
| Owner Occupied HU | 6,053 (74.8%) |
| Renter Occupied HU | 1,232 (15.2%) |
| Vacant Housing Units | 802 ( 9.9%) |
| Median Home Value | $367,668 |
| Average Home Value | $430,451 |
Housing Distribution
Address Breakdown
Residential
7,243
Single Family
7,100
Multi-Family
143
Businesses
202
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 1992
1,296 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20657, Lusby, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,087 (100%) |
| Owner Occupied HU | 6,053 (74.8%) |
| Renter Occupied HU | 1,232 (15.2%) |
| Vacant Housing Units | 802 ( 9.9%) |
| Median Home Value | $367,668 |
| Average Home Value | $430,451 |
Housing Distribution
Address Breakdown
Residential
7,243
Single Family
7,100
Multi-Family
143
Businesses
202
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices