436 Palmer TerWestminsterMD21158
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 436 Palmer Ter, Westminster, MD, 21158 in Westminster: $2,378/mo in rent, $454/mo in net income, 9.55% gross yield, 1.77 DSCR, all at $299,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $82,608 in appreciation and $2,754/yr in principal paydown projects total cumulative return of $142,968.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.0% |
| Monthly Cash Flow | $454 | $350 |
City averages based on Westminster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,378 |
| Total Monthly Debt Service | $1,805 |
| DSCR Ratio | 1.32x |
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 1990
2,385 sqft lot
$N/A/sqft
$275 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21158, Westminster, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,060 (100%) |
| Owner Occupied HU | 6,334 (78.6%) |
| Renter Occupied HU | 1,386 (17.2%) |
| Vacant Housing Units | 340 ( 4.2%) |
| Median Home Value | $444,306 |
| Average Home Value | $497,359 |
Housing Distribution
Address Breakdown
Residential
8,010
Single Family
7,474
Multi-Family
536
Businesses
429
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 1990
2,385 sqft lot
$N/A/sqft
$275 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21158, Westminster, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,060 (100%) |
| Owner Occupied HU | 6,334 (78.6%) |
| Renter Occupied HU | 1,386 (17.2%) |
| Vacant Housing Units | 340 ( 4.2%) |
| Median Home Value | $444,306 |
| Average Home Value | $497,359 |
Housing Distribution
Address Breakdown
Residential
8,010
Single Family
7,474
Multi-Family
536
Businesses
429
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices