4470 Harvest LnHuntingtownMD20639
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4470 Harvest Ln, Huntingtown, MD, 20639 in Huntingtown at $459,000, 4.8% gross yield, is a market-growth asset. Rental yield 4.8%. The $1,837/mo rent partially funds the $2,064/mo debt service; the core return is the 5%/yr price growth projected to add $126,813 over five years. Ziffy Mortgage's DSCR mortgage (0.89) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $108,616.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 5.8% |
| Monthly Cash Flow | $(1,018) | $850 |
City averages based on Huntingtown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,837 |
| Total Monthly Debt Service | $2,672 |
| DSCR Ratio | 0.69x |
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.
Single Family
Built in 1950
6.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20639, Huntingtown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,520 (100%) |
| Owner Occupied HU | 4,890 (88.6%) |
| Renter Occupied HU | 386 ( 7.0%) |
| Vacant Housing Units | 244 ( 4.4%) |
| Median Home Value | $556,011 |
| Average Home Value | $577,138 |
Housing Distribution
Address Breakdown
Residential
5,177
Single Family
5,177
Multi-Family
0
Businesses
210
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
Single Family
Built in 1950
6.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20639, Huntingtown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,520 (100%) |
| Owner Occupied HU | 4,890 (88.6%) |
| Renter Occupied HU | 386 ( 7.0%) |
| Vacant Housing Units | 244 ( 4.4%) |
| Median Home Value | $556,011 |
| Average Home Value | $577,138 |
Housing Distribution
Address Breakdown
Residential
5,177
Single Family
5,177
Multi-Family
0
Businesses
210
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brady Grubb • Living In Style Real Estate
Mls Name: Bright MLS
Mls ID: #MDCA2022902