465 Baltimore AveCumberlandMD21502
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 465 Baltimore Ave, Cumberland, MD, 21502 in Cumberland at $119,900 earns $904/mo in rent and nets $158/mo after the $539/mo payment, a 9.05% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $33,126 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $1,104/yr in principal paydown, total projected return reaches $55,716.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.5% |
| Monthly Cash Flow | $158 | $350 |
City averages based on Cumberland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $904 |
| Total Monthly Debt Service | $698 |
| DSCR Ratio | 1.30x |
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 1910
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21502, Cumberland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,121 (100%) |
| Owner Occupied HU | 11,103 (58.1%) |
| Renter Occupied HU | 4,972 (26.0%) |
| Vacant Housing Units | 3,046 (15.9%) |
| Median Home Value | $165,221 |
| Average Home Value | $212,127 |
Housing Distribution
Address Breakdown
Residential
17,230
Single Family
15,703
Multi-Family
1,527
Businesses
1,428
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 1910
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21502, Cumberland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,121 (100%) |
| Owner Occupied HU | 11,103 (58.1%) |
| Renter Occupied HU | 4,972 (26.0%) |
| Vacant Housing Units | 3,046 (15.9%) |
| Median Home Value | $165,221 |
| Average Home Value | $212,127 |
Housing Distribution
Address Breakdown
Residential
17,230
Single Family
15,703
Multi-Family
1,527
Businesses
1,428
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dan DeBlock • Charis Realty Group
Mls Name: Bright MLS
Mls ID: #MDAL2013608