455 Patuxent CtLa PlataMD20646
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow455 Patuxent Ct, La Plata, MD, 20646 in La Plata is a top-tier cash-flow asset. At $265,000 it produces $2,573/mo in rent and $925/mo in net monthly income, a 11.65% gross rental yield. The DSCR of 2.16 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $11,096. Five-year appreciation adds $73,215, driving a total cumulative return of $160,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 7.0% |
| Monthly Cash Flow | $925 | $250 |
City averages based on La Plata market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,573 |
| Total Monthly Debt Service | $1,543 |
| DSCR Ratio | 1.67x |
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 1976
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20646, La Plata, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,606 (100%) |
| Owner Occupied HU | 6,894 (80.1%) |
| Renter Occupied HU | 1,353 (15.7%) |
| Vacant Housing Units | 359 ( 4.2%) |
| Median Home Value | $485,791 |
| Average Home Value | $513,060 |
Housing Distribution
Address Breakdown
Residential
8,242
Single Family
7,917
Multi-Family
325
Businesses
809
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 1976
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20646, La Plata, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,606 (100%) |
| Owner Occupied HU | 6,894 (80.1%) |
| Renter Occupied HU | 1,353 (15.7%) |
| Vacant Housing Units | 359 ( 4.2%) |
| Median Home Value | $485,791 |
| Average Home Value | $513,060 |
Housing Distribution
Address Breakdown
Residential
8,242
Single Family
7,917
Multi-Family
325
Businesses
809
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices