4308 Molly Shippen TrlWest RiverMD20778
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4308 Molly Shippen Trl, West River, MD, 20778 in West River fits: $920,000, 5.91% gross yield, and a projected 5% annual appreciation rate adding $254,179 in value within five years. Rental yield 5.91%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.10) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,473/yr in principal paydown and $254,179 in appreciation project a total return of $272,392.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 5.0% |
| Monthly Cash Flow | $(1,211) | $500 |
City averages based on West River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,532 |
| Total Monthly Debt Service | $5,356 |
| DSCR Ratio | 0.85x |
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 1986
2.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20778, West River, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 901 (100%) |
| Owner Occupied HU | 717 (79.6%) |
| Renter Occupied HU | 92 (10.2%) |
| Vacant Housing Units | 92 (10.2%) |
| Median Home Value | $789,676 |
| Average Home Value | $798,173 |
Housing Distribution
Address Breakdown
Residential
751
Single Family
751
Multi-Family
0
Businesses
28
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 1986
2.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20778, West River, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 901 (100%) |
| Owner Occupied HU | 717 (79.6%) |
| Renter Occupied HU | 92 (10.2%) |
| Vacant Housing Units | 92 (10.2%) |
| Median Home Value | $789,676 |
| Average Home Value | $798,173 |
Housing Distribution
Address Breakdown
Residential
751
Single Family
751
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDAA2140334