436 Dutch DrLothianMD20711
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 436 Dutch Dr, Lothian, MD, 20711 in Lothian: $3,011/mo in rent, $2,109/mo net, 24.92% gross yield, all on a $145,000 acquisition. The 4.62 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $40,061 in value, and $1,335/yr in principal paydown steadily builds equity. Projected total cumulative return: $190,714.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 24.9% | 6.0% |
| Monthly Cash Flow | $2,109 | $350 |
City averages based on Lothian market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,011 |
| Total Monthly Debt Service | $844 |
| DSCR Ratio | 3.57x |
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.
Manufactured
Built in 2008
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20711, Lothian, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,659 (100%) |
| Owner Occupied HU | 2,247 (84.5%) |
| Renter Occupied HU | 300 (11.3%) |
| Vacant Housing Units | 112 ( 4.2%) |
| Median Home Value | $416,962 |
| Average Home Value | $451,350 |
Housing Distribution
Address Breakdown
Residential
2,594
Single Family
2,594
Multi-Family
0
Businesses
158
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
Manufactured
Built in 2008
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20711, Lothian, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,659 (100%) |
| Owner Occupied HU | 2,247 (84.5%) |
| Renter Occupied HU | 300 (11.3%) |
| Vacant Housing Units | 112 ( 4.2%) |
| Median Home Value | $416,962 |
| Average Home Value | $451,350 |
Housing Distribution
Address Breakdown
Residential
2,594
Single Family
2,594
Multi-Family
0
Businesses
158
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices