4712 Carroll Manor RdBaldwinMD21013
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4712 Carroll Manor Rd, Baldwin, MD, 21013 in Baldwin. Rental yield 5.64%. At $829,900 with 5.64% gross yield, current distributions are modest, but the 5% appreciation rate projects $229,286 in new equity by year five, complemented by $7,643/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.05) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $233,877.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 7.0% |
| Monthly Cash Flow | $(1,258) | $1,200 |
City averages based on Baldwin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,904 |
| Total Monthly Debt Service | $4,831 |
| DSCR Ratio | 0.81x |
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 N/A
1.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21013, Baldwin, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,741 (100%) |
| Owner Occupied HU | 1,601 (92.0%) |
| Renter Occupied HU | 80 ( 4.6%) |
| Vacant Housing Units | 60 ( 3.4%) |
| Median Home Value | $612,118 |
| Average Home Value | $675,350 |
Housing Distribution
Address Breakdown
Residential
1,703
Single Family
1,703
Multi-Family
0
Businesses
70
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 N/A
1.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21013, Baldwin, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,741 (100%) |
| Owner Occupied HU | 1,601 (92.0%) |
| Renter Occupied HU | 80 ( 4.6%) |
| Vacant Housing Units | 60 ( 3.4%) |
| Median Home Value | $612,118 |
| Average Home Value | $675,350 |
Housing Distribution
Address Breakdown
Residential
1,703
Single Family
1,703
Multi-Family
0
Businesses
70
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices