4314 Valley View RdMiddletownMD21769
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4314 Valley View Rd, Middletown, MD, 21769 in Middletown worth study. Rental yield 2.94%. The 2.94% gross yield is below cash-flow benchmarks at $1,799,000, but 5% annual appreciation, adding $497,031 over five years, frames this as a capital growth position. Rent of $4,403/mo partially offsets the $8,089/mo payment. Ziffy Mortgage finances appreciation-play properties (0.54 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $245,589.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.4% |
| Monthly Cash Flow | $(6,789) | $350 |
City averages based on Middletown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,403 |
| Total Monthly Debt Service | $10,476 |
| DSCR Ratio | 0.42x |
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 2006
8.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21769, Middletown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,486 (100%) |
| Owner Occupied HU | 3,801 (84.7%) |
| Renter Occupied HU | 524 (11.7%) |
| Vacant Housing Units | 161 ( 3.6%) |
| Median Home Value | $591,569 |
| Average Home Value | $646,696 |
Housing Distribution
Address Breakdown
Residential
4,368
Single Family
4,284
Multi-Family
84
Businesses
246
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 2006
8.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21769, Middletown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,486 (100%) |
| Owner Occupied HU | 3,801 (84.7%) |
| Renter Occupied HU | 524 (11.7%) |
| Vacant Housing Units | 161 ( 3.6%) |
| Median Home Value | $591,569 |
| Average Home Value | $646,696 |
Housing Distribution
Address Breakdown
Residential
4,368
Single Family
4,284
Multi-Family
84
Businesses
246
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices