4701 Hale Haven DrEllicott CityMD21043
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 4701 Hale Haven Dr, Ellicott City, MD, 21043 in Ellicott City. At $515,900 it earns $3,605/mo in rent and distributes $396/mo to the owner after the $2,320/mo payment, a consistent 8.38% yield. DSCR 1.55 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $142,534 in value; $4,751/yr in principal paydown compounds ownership stake. Total projected return: $221,212.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.0% |
| Monthly Cash Flow | $396 | $1,200 |
City averages based on Ellicott City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,605 |
| Total Monthly Debt Service | $3,003 |
| DSCR Ratio | 1.20x |
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 1982
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21043, Ellicott City, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,755 (100%) |
| Owner Occupied HU | 12,468 (66.5%) |
| Renter Occupied HU | 5,611 (29.9%) |
| Vacant Housing Units | 676 ( 3.6%) |
| Median Home Value | $688,466 |
| Average Home Value | $720,480 |
Housing Distribution
Address Breakdown
Residential
18,864
Single Family
13,418
Multi-Family
5,446
Businesses
767
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 1982
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21043, Ellicott City, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,755 (100%) |
| Owner Occupied HU | 12,468 (66.5%) |
| Renter Occupied HU | 5,611 (29.9%) |
| Vacant Housing Units | 676 ( 3.6%) |
| Median Home Value | $688,466 |
| Average Home Value | $720,480 |
Housing Distribution
Address Breakdown
Residential
18,864
Single Family
13,418
Multi-Family
5,446
Businesses
767
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shayna Fastovsky • Coldwell Banker Realty
Mls Name: Bright MLS
Mls ID: #MDHW2057920