474 Ruffian CtAnnapolisMD21409
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 474 Ruffian Ct, Annapolis, MD, 21409 in Annapolis hard to pass up. The 10.48% gross yield on a $369,500 purchase results in $3,227/mo in rent and $917/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.94). Annual cash flow of $11,000, five-year appreciation of $102,086, and $3,403/yr in equity build-up combine for a projected total cumulative return of $199,934.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 5.4% |
| Monthly Cash Flow | $917 | $1,850 |
City averages based on Annapolis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,227 |
| Total Monthly Debt Service | $2,151 |
| DSCR Ratio | 1.50x |
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.
Townhouse
Built in 1980
4,672 sqft lot
$N/A/sqft
No HOA
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
Townhouse
Built in 1980
4,672 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices