4330 Cedargarden RdBaltimoreMD21229
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4330 Cedargarden Rd, Baltimore, MD, 21229 in Baltimore. Priced at $117,500, it generates $2,022/mo in gross rent and $1,197/mo in net monthly cash flow, a 20.65% yield that comfortably supports the 3.83 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $14,363. Five-year appreciation: $32,463. Equity from principal paydown: $1,082/yr. Total projected cumulative return: $122,080.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 20.7% | 4.8% |
| Monthly Cash Flow | $1,197 | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,022 |
| Total Monthly Debt Service | $778 |
| DSCR Ratio | 2.60x |
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 1954
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21229, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,053 (100%) |
| Owner Occupied HU | 9,761 (48.7%) |
| Renter Occupied HU | 8,137 (40.6%) |
| Vacant Housing Units | 2,155 (10.7%) |
| Median Home Value | $220,250 |
| Average Home Value | $247,792 |
Housing Distribution
Address Breakdown
Residential
18,511
Single Family
15,601
Multi-Family
2,910
Businesses
622
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 1954
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21229, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,053 (100%) |
| Owner Occupied HU | 9,761 (48.7%) |
| Renter Occupied HU | 8,137 (40.6%) |
| Vacant Housing Units | 2,155 (10.7%) |
| Median Home Value | $220,250 |
| Average Home Value | $247,792 |
Housing Distribution
Address Breakdown
Residential
18,511
Single Family
15,601
Multi-Family
2,910
Businesses
622
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices