4755 S Polling House RdHarwoodMD20776
INVESTMENT ANALYSIS
Investment Verdict
Solid Income4755 S Polling House Rd, Harwood, MD, 20776 in Harwood is a solid income-producing rental, 8.27% gross yield, $6,205/mo rent, $608/mo net cash flow on a $899,999 buy. DSCR 1.53 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $248,653 and $8,289/yr in principal reduction project a total cumulative return of $380,484.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $608 | $450 |
City averages based on Harwood market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $6,205 |
| Total Monthly Debt Service | $5,239 |
| DSCR Ratio | 1.18x |
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 2024
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20776, Harwood, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,160 (100%) |
| Owner Occupied HU | 1,033 (89.1%) |
| Renter Occupied HU | 91 ( 7.8%) |
| Vacant Housing Units | 36 ( 3.1%) |
| Median Home Value | $740,677 |
| Average Home Value | $800,104 |
Housing Distribution
Address Breakdown
Residential
1,242
Single Family
1,242
Multi-Family
0
Businesses
62
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 2024
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20776, Harwood, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,160 (100%) |
| Owner Occupied HU | 1,033 (89.1%) |
| Renter Occupied HU | 91 ( 7.8%) |
| Vacant Housing Units | 36 ( 3.1%) |
| Median Home Value | $740,677 |
| Average Home Value | $800,104 |
Housing Distribution
Address Breakdown
Residential
1,242
Single Family
1,242
Multi-Family
0
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices