4512 Warm Stone CirPerry HallMD21128
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4512 Warm Stone Cir, Perry Hall, MD, 21128 in Perry Hall deserves attention. This $379,800 property earns $3,187/mo in rent, a 10.07% gross yield, and nets $825/mo after the $1,708/mo payment. DSCR 1.87 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $104,932 compounds alongside $3,498/yr in yearly equity build, for a total cumulative return of $197,136.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.5% |
| Monthly Cash Flow | $825 | $220 |
City averages based on Perry Hall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,187 |
| Total Monthly Debt Service | $2,211 |
| 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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 2000
2,775 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21128, Perry Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,291 (100%) |
| Owner Occupied HU | 5,096 (81.0%) |
| Renter Occupied HU | 956 (15.2%) |
| Vacant Housing Units | 239 ( 3.8%) |
| Median Home Value | $480,061 |
| Average Home Value | $512,184 |
Housing Distribution
Address Breakdown
Residential
6,074
Single Family
4,505
Multi-Family
1,569
Businesses
209
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 2000
2,775 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21128, Perry Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,291 (100%) |
| Owner Occupied HU | 5,096 (81.0%) |
| Renter Occupied HU | 956 (15.2%) |
| Vacant Housing Units | 239 ( 3.8%) |
| Median Home Value | $480,061 |
| Average Home Value | $512,184 |
Housing Distribution
Address Breakdown
Residential
6,074
Single Family
4,505
Multi-Family
1,569
Businesses
209
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kim Kazaras • Cummings & Co. Realtors
Mls Name: Bright MLS
Mls ID: #MDBC2141896