453 High StCambridgeMD21613
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 453 High St, Cambridge, MD, 21613 in Cambridge hard to pass up. The 10.98% gross yield on a $224,950 purchase results in $2,059/mo in rent and $660/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.03). Annual cash flow of $7,921, five-year appreciation of $62,150, and $2,072/yr in equity build-up combine for a projected total cumulative return of $127,772.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 5.5% |
| Monthly Cash Flow | $660 | $850 |
City averages based on Cambridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,059 |
| Total Monthly Debt Service | $1,310 |
| DSCR Ratio | 1.57x |
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.
Single Family
Built in 2012
4,239 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21613, Cambridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,537 (100%) |
| Owner Occupied HU | 4,519 (47.4%) |
| Renter Occupied HU | 3,505 (36.8%) |
| Vacant Housing Units | 1,513 (15.9%) |
| Median Home Value | $298,117 |
| Average Home Value | $357,441 |
Housing Distribution
Address Breakdown
Residential
9,288
Single Family
8,313
Multi-Family
975
Businesses
864
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 2012
4,239 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21613, Cambridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,537 (100%) |
| Owner Occupied HU | 4,519 (47.4%) |
| Renter Occupied HU | 3,505 (36.8%) |
| Vacant Housing Units | 1,513 (15.9%) |
| Median Home Value | $298,117 |
| Average Home Value | $357,441 |
Housing Distribution
Address Breakdown
Residential
9,288
Single Family
8,313
Multi-Family
975
Businesses
864
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices