48 Bright Psge #5BMchenryMD21541
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 48 Bright Psge #5B, Mchenry, MD, 21541 in Mchenry offers a clean, manageable entry. Rental yield 6.55%. DSCR 1.21 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $121,564 in additional property value over five years, with $4,052/yr in principal equity building ownership stake. Total projected cumulative return: $145,324.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.2% |
| Monthly Cash Flow | $(334) | $350 |
City averages based on Mchenry market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,402 |
| Total Monthly Debt Service | $2,562 |
| DSCR Ratio | 0.94x |
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.
Townhouse
Built in 1989
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21541, Mc Henry, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,233 (100%) |
| Owner Occupied HU | 512 (22.9%) |
| Renter Occupied HU | 156 ( 7.0%) |
| Vacant Housing Units | 1,565 (70.1%) |
| Median Home Value | $354,286 |
| Average Home Value | $425,522 |
Housing Distribution
Address Breakdown
Residential
768
Single Family
619
Multi-Family
149
Businesses
210
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 1989
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21541, Mc Henry, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,233 (100%) |
| Owner Occupied HU | 512 (22.9%) |
| Renter Occupied HU | 156 ( 7.0%) |
| Vacant Housing Units | 1,565 (70.1%) |
| Median Home Value | $354,286 |
| Average Home Value | $425,522 |
Housing Distribution
Address Breakdown
Residential
768
Single Family
619
Multi-Family
149
Businesses
210
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices