43 Bay View Woods LoopNorth EastMD21901
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 43 Bay View Woods Loop, North East, MD, 21901 in North East. Priced at $439,000, it generates $4,693/mo in gross rent and $1,899/mo in net monthly cash flow, a 12.83% yield that comfortably supports the 2.38 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $22,786. Five-year appreciation: $121,288. Equity from principal paydown: $4,043/yr. Total projected cumulative return: $288,996.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.8% | 7.2% |
| Monthly Cash Flow | $1,899 | $850 |
City averages based on North East market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,693 |
| Total Monthly Debt Service | $2,620 |
| DSCR Ratio | 1.79x |
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 2010
7,707 sqft lot
$N/A/sqft
$64 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21901, North East, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,213 (100%) |
| Owner Occupied HU | 5,121 (62.4%) |
| Renter Occupied HU | 2,190 (26.7%) |
| Vacant Housing Units | 902 (11.0%) |
| Median Home Value | $395,977 |
| Average Home Value | $418,006 |
Housing Distribution
Address Breakdown
Residential
7,934
Single Family
7,364
Multi-Family
570
Businesses
460
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 2010
7,707 sqft lot
$N/A/sqft
$64 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21901, North East, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,213 (100%) |
| Owner Occupied HU | 5,121 (62.4%) |
| Renter Occupied HU | 2,190 (26.7%) |
| Vacant Housing Units | 902 (11.0%) |
| Median Home Value | $395,977 |
| Average Home Value | $418,006 |
Housing Distribution
Address Breakdown
Residential
7,934
Single Family
7,364
Multi-Family
570
Businesses
460
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices