4403 Cotuit CirWaldorfMD20601
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4403 Cotuit Cir, Waldorf, MD, 20601 in Waldorf. Priced at $385,500, it generates $3,371/mo in gross rent and $973/mo in net monthly cash flow, a 10.49% yield that comfortably supports the 1.85 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,678. Five-year appreciation: $106,507. Equity from principal paydown: $3,232/yr. Total projected cumulative return: $201,671.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.5% |
| Monthly Cash Flow | $973 | $450 |
City averages based on Waldorf market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,371 |
| Total Monthly Debt Service | $2,338 |
| DSCR Ratio | 1.44x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1971
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20601, Waldorf, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,824 (100%) |
| Owner Occupied HU | 7,825 (72.3%) |
| Renter Occupied HU | 2,545 (23.5%) |
| Vacant Housing Units | 454 ( 4.2%) |
| Median Home Value | $396,432 |
| Average Home Value | $436,443 |
Housing Distribution
Address Breakdown
Residential
10,603
Single Family
10,045
Multi-Family
558
Businesses
785
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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
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