45991 Clarks RdCaliforniaMD20619
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 45991 Clarks Rd, California, MD, 20619 in California fits: $525,000, 5.43% gross yield, and a projected 5% annual appreciation rate adding $145,048 in value within five years. Rental yield 5.43%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.01) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,835/yr in principal paydown and $145,048 in appreciation project a total return of $141,796.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.0% |
| Monthly Cash Flow | $(892) | $400 |
City averages based on California market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,374 |
| Total Monthly Debt Service | $3,056 |
| DSCR Ratio | 0.78x |
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 1960
4,369 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20619, California, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,429 (100%) |
| Owner Occupied HU | 4,117 (64.0%) |
| Renter Occupied HU | 1,925 (29.9%) |
| Vacant Housing Units | 387 ( 6.0%) |
| Median Home Value | $419,430 |
| Average Home Value | $467,688 |
Housing Distribution
Address Breakdown
Residential
6,132
Single Family
5,361
Multi-Family
771
Businesses
646
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 1960
4,369 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20619, California, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,429 (100%) |
| Owner Occupied HU | 4,117 (64.0%) |
| Renter Occupied HU | 1,925 (29.9%) |
| Vacant Housing Units | 387 ( 6.0%) |
| Median Home Value | $419,430 |
| Average Home Value | $467,688 |
Housing Distribution
Address Breakdown
Residential
6,132
Single Family
5,361
Multi-Family
771
Businesses
646
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDSM2025048