4715 Girton AveShady SideMD20764
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4715 Girton Ave, Shady Side, MD, 20764 in Shady Side at $239,000 earns $1,655/mo in rent and nets $169/mo after the $1,075/mo payment, a 8.31% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $66,031 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $2,201/yr in principal paydown, total projected return reaches $101,521.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.2% |
| Monthly Cash Flow | $169 | $450 |
City averages based on Shady Side market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,655 |
| Total Monthly Debt Service | $1,391 |
| DSCR Ratio | 1.19x |
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 1940
3,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20764, Shady Side, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,888 (100%) |
| Owner Occupied HU | 1,495 (79.2%) |
| Renter Occupied HU | 190 (10.1%) |
| Vacant Housing Units | 203 (10.8%) |
| Median Home Value | $494,105 |
| Average Home Value | $620,125 |
Housing Distribution
Address Breakdown
Residential
1,749
Single Family
1,749
Multi-Family
0
Businesses
59
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 1940
3,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20764, Shady Side, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,888 (100%) |
| Owner Occupied HU | 1,495 (79.2%) |
| Renter Occupied HU | 190 (10.1%) |
| Vacant Housing Units | 203 (10.8%) |
| Median Home Value | $494,105 |
| Average Home Value | $620,125 |
Housing Distribution
Address Breakdown
Residential
1,749
Single Family
1,749
Multi-Family
0
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDAA2139256