437-439 441 #443BaltimoreMD21212
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 437-439 441 #443, Baltimore, MD, 21212 in Baltimore the bet is firmly on appreciation. Rental yield 1.31%. The 1.31% gross yield on a $1,775,000 price is below income-first thresholds, but 5%/yr value growth projects $490,400 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.24) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $87,156.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.3% | 4.8% |
| Monthly Cash Flow | $(9,109) | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,931 |
| Total Monthly Debt Service | $10,333 |
| DSCR Ratio | 0.19x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 2008
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21212, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,393 (100%) |
| Owner Occupied HU | 8,572 (59.6%) |
| Renter Occupied HU | 4,608 (32.0%) |
| Vacant Housing Units | 1,213 ( 8.4%) |
| Median Home Value | $381,989 |
| Average Home Value | $467,085 |
Housing Distribution
Address Breakdown
Residential
13,017
Single Family
10,923
Multi-Family
2,094
Businesses
567
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
Multi Family
Built in 2008
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21212, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,393 (100%) |
| Owner Occupied HU | 8,572 (59.6%) |
| Renter Occupied HU | 4,608 (32.0%) |
| Vacant Housing Units | 1,213 ( 8.4%) |
| Median Home Value | $381,989 |
| Average Home Value | $467,085 |
Housing Distribution
Address Breakdown
Residential
13,017
Single Family
10,923
Multi-Family
2,094
Businesses
567
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices