434 Arch StCumberlandMD21502




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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


Investment Highlights
Rental property for sale in Cumberland at 434 Arch St, Cumberland, MD, 21502 generates $1,999/mo in rent and, after a $514/mo payment, leaves $1,346/mo in cash flow. Total monthly income is $1,999/mo, and annual cash flow is $16,150/yr on $34,808 invested. Return on cash invested sits at 66.31% in year one, and rental yield is 22.85% on a $105,000 entry. Equity gained on principal adds $678/yr, while 5% annual appreciation builds toward $29,010 over five years. Five-year ROI reaches 351.69% and total cumulative return in cash sums $122,414. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $1,999/mo property income rather than buyer’s personal income.
Single Family
Built in 1920
1,311 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21502, Cumberland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,121 (100%) |
| Owner Occupied HU | 11,103 (58.1%) |
| Renter Occupied HU | 4,972 (26.0%) |
| Vacant Housing Units | 3,046 (15.9%) |
| Median Home Value | $165,221 |
| Average Home Value | $212,127 |
Housing Distribution
Address Breakdown
Residential
17,230
Single Family
15,703
Multi-Family
1,527
Businesses
1,428
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