4326 Gavins RunHurlockMD21643
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4326 Gavins Run, Hurlock, MD, 21643 in Hurlock fits: $399,900, 3.96% gross yield, and a projected 5% annual appreciation rate adding $110,485 in value within five years. Rental yield 3.96%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.73) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,683/yr in principal paydown and $110,485 in appreciation project a total return of $76,645.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.5% |
| Monthly Cash Flow | $(1,167) | $850 |
City averages based on Hurlock market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,320 |
| Total Monthly Debt Service | $2,328 |
| DSCR Ratio | 0.57x |
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 2026
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21643, Hurlock, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,458 (100%) |
| Owner Occupied HU | 1,709 (69.5%) |
| Renter Occupied HU | 502 (20.4%) |
| Vacant Housing Units | 247 (10.0%) |
| Median Home Value | $203,443 |
| Average Home Value | $209,383 |
Housing Distribution
Address Breakdown
Residential
2,121
Single Family
2,093
Multi-Family
28
Businesses
113
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 2026
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21643, Hurlock, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,458 (100%) |
| Owner Occupied HU | 1,709 (69.5%) |
| Renter Occupied HU | 502 (20.4%) |
| Vacant Housing Units | 247 (10.0%) |
| Median Home Value | $203,443 |
| Average Home Value | $209,383 |
Housing Distribution
Address Breakdown
Residential
2,121
Single Family
2,093
Multi-Family
28
Businesses
113
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices