4438 Scotia Rd, Baltimore, MD, 21227 | $265/mo Cash Flow

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

Home Type: Single Family

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4438 Scotia Rd, Baltimore, MD, 21227 | $265/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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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Investment Highlights

Rental property for sale in Baltimore at 4438 Scotia Rd, Baltimore, MD, 21227 generates $2,130/mo in rent and, after a $1,468/mo payment, leaves $265/mo in cash flow. Total monthly income is $2,130/mo, and annual cash flow is $3,176/yr on $99,417 invested. Return on cash invested sits at 23.1% in year one, and rental yield is 8.52% on a $299,900 entry. Equity gained on principal adds $1,935/yr, while 5% annual appreciation builds toward $82,857 over five years. Five-year ROI reaches 120.03% and total cumulative return in cash sums $119,332. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $2,130/mo property income rather than buyer’s personal income.

Townhouse

Built in 1958

4,380 sqft lot

$N/A/sqft

No HOA

More details about the property

This beautifully updated 3-bedroom, 1-bathroom end-unit townhome offers one of the most desirable lots in the neighborhood, backing to woods with an oversized yard. Enjoy private parking for two and outdoor living at its best with two backyard lounge areas, a full-height privacy fence, and a brand-new shed with electricity. Inside, youll find hardwood flooring on the main level, new carpet upstairs, and an updated bathroom. The finished basement with built-in bar makes the perfect man cave, game room, or second family space. With thoughtful updates throughout and plenty of indoor and outdoor space, this home is move-in ready and waiting for its next owner! Financially, you're in great shape - most homes in this area pay ground rent, but rest assured the ground rent has been completely paid off. You will own this home free and clear. Schedule your private showing today.

Neighborhood Data

Neighborhood data shown for ZIP Code: 21227, Halethorpe, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	13,782 (100%)
Owner Occupied HU	8,244 (59.8%)
Renter Occupied HU	4,715 (34.2%)
Vacant Housing Units	823 ( 6.0%)
Median Home Value	$328,317
Average Home Value	$368,618