4880 Guy Hardesty RdHuntingtownMD20639
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4880 Guy Hardesty Rd, Huntingtown, MD, 20639 in Huntingtown speaks for itself: 26.15% gross on a $129,900 price, generating $2,831/mo in rent and $1,993/mo in net income after the $584/mo debt service. DSCR 4.85, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $23,921 stacks alongside $35,889 in projected five-year appreciation and $1,196/yr in principal reduction. Projected total cumulative return: $177,740.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 26.2% | 5.8% |
| Monthly Cash Flow | $1,993 | $850 |
City averages based on Huntingtown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,831 |
| Total Monthly Debt Service | $786 |
| DSCR Ratio | 3.60x |
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.
Lot
Built in N/A
3.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20639, Huntingtown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,520 (100%) |
| Owner Occupied HU | 4,890 (88.6%) |
| Renter Occupied HU | 386 ( 7.0%) |
| Vacant Housing Units | 244 ( 4.4%) |
| Median Home Value | $556,011 |
| Average Home Value | $577,138 |
Housing Distribution
Address Breakdown
Residential
5,177
Single Family
5,177
Multi-Family
0
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
Lot
Built in N/A
3.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20639, Huntingtown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,520 (100%) |
| Owner Occupied HU | 4,890 (88.6%) |
| Renter Occupied HU | 386 ( 7.0%) |
| Vacant Housing Units | 244 ( 4.4%) |
| Median Home Value | $556,011 |
| Average Home Value | $577,138 |
Housing Distribution
Address Breakdown
Residential
5,177
Single Family
5,177
Multi-Family
0
Businesses
210
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices