4516 Pen Lucy RdBaltimoreMD21229








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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


Investment Highlights
Investment property for sale in Baltimore at 4516 Pen Lucy Rd, Baltimore, MD, 21229 offers a 12.1% rental yield on a $219,000 purchase with $2,209/mo rent. Total monthly income registers $2,209/mo, and a $1,072/mo payment leaves $847/mo available for distribution. Annual cash flow reaches $10,162/yr on $72,599 to close, and return on cash invested stands at 33.91% in year one. Equity gained on principal adds $1,413/yr while 5% annual appreciation supports $60,506 over five years. Portfolio math shows five-year ROI at 177.93% and total cumulative return in cash at $129,177. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $2,209/mo property income against a $1,072/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Townhouse
Built in 1948
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21229, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,053 (100%) |
| Owner Occupied HU | 9,761 (48.7%) |
| Renter Occupied HU | 8,137 (40.6%) |
| Vacant Housing Units | 2,155 (10.7%) |
| Median Home Value | $220,250 |
| Average Home Value | $247,792 |
Housing Distribution
Address Breakdown
Residential
18,511
Single Family
15,601
Multi-Family
2,910
Businesses
622
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