433 W 23rd StBaltimoreMD21211
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 433 W 23rd St, Baltimore, MD, 21211 in Baltimore. Priced at $179,500, it generates $2,113/mo in gross rent and $997/mo in net monthly cash flow, a 14.13% yield that comfortably supports the 2.62 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,962. Five-year appreciation: $49,593. Equity from principal paydown: $1,653/yr. Total projected cumulative return: $132,275.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.1% | 4.8% |
| Monthly Cash Flow | $997 | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,113 |
| Total Monthly Debt Service | $1,045 |
| DSCR Ratio | 2.02x |
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.
Townhouse
Built in 1900
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21211, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,433 (100%) |
| Owner Occupied HU | 4,555 (48.3%) |
| Renter Occupied HU | 4,025 (42.7%) |
| Vacant Housing Units | 853 ( 9.0%) |
| Median Home Value | $321,419 |
| Average Home Value | $342,025 |
Housing Distribution
Address Breakdown
Residential
8,995
Single Family
6,669
Multi-Family
2,326
Businesses
958
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
Townhouse
Built in 1900
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21211, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,433 (100%) |
| Owner Occupied HU | 4,555 (48.3%) |
| Renter Occupied HU | 4,025 (42.7%) |
| Vacant Housing Units | 853 ( 9.0%) |
| Median Home Value | $321,419 |
| Average Home Value | $342,025 |
Housing Distribution
Address Breakdown
Residential
8,995
Single Family
6,669
Multi-Family
2,326
Businesses
958
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices