4609 Tema RdPikesvilleMD21208
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 4609 Tema Rd, Pikesville, MD, 21208 in Pikesville: $3,142/mo in rent, $685/mo in net income, 9.54% gross yield, 1.77 DSCR, all at $395,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $109,131 in appreciation and $3,638/yr in principal paydown projects total cumulative return of $193,968.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.0% |
| Monthly Cash Flow | $685 | $300 |
City averages based on Pikesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,142 |
| Total Monthly Debt Service | $2,300 |
| DSCR Ratio | 1.37x |
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 1962
5,350 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21208, Pikesville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,586 (100%) |
| Owner Occupied HU | 9,913 (63.6%) |
| Renter Occupied HU | 4,583 (29.4%) |
| Vacant Housing Units | 1,090 ( 7.0%) |
| Median Home Value | $386,745 |
| Average Home Value | $493,443 |
Housing Distribution
Address Breakdown
Residential
15,324
Single Family
10,265
Multi-Family
5,059
Businesses
1,118
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 1962
5,350 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21208, Pikesville, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,586 (100%) |
| Owner Occupied HU | 9,913 (63.6%) |
| Renter Occupied HU | 4,583 (29.4%) |
| Vacant Housing Units | 1,090 ( 7.0%) |
| Median Home Value | $386,745 |
| Average Home Value | $493,443 |
Housing Distribution
Address Breakdown
Residential
15,324
Single Family
10,265
Multi-Family
5,059
Businesses
1,118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Akinola Olagbaju • ExecuHome Realty
Mls Name: Bright MLS
Mls ID: #MDBC2137470