49343 Curleys RdRidgeMD20680
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 49343 Curleys Rd, Ridge, MD, 20680 in Ridge deserves attention. This $125,000 property earns $1,708/mo in rent, a 16.39% gross yield, and nets $930/mo after the $562/mo payment. DSCR 3.04 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $34,535 compounds alongside $1,151/yr in yearly equity build, for a total cumulative return of $107,347.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.4% | 7.0% |
| Monthly Cash Flow | $930 | $1,200 |
City averages based on Ridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,708 |
| Total Monthly Debt Service | $728 |
| DSCR Ratio | 2.35x |
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 1953
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20680, Ridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 615 (100%) |
| Owner Occupied HU | 365 (59.3%) |
| Renter Occupied HU | 109 (17.7%) |
| Vacant Housing Units | 141 (22.9%) |
| Median Home Value | $547,089 |
| Average Home Value | $540,671 |
Housing Distribution
Address Breakdown
Residential
371
Single Family
371
Multi-Family
0
Businesses
36
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 1953
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20680, Ridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 615 (100%) |
| Owner Occupied HU | 365 (59.3%) |
| Renter Occupied HU | 109 (17.7%) |
| Vacant Housing Units | 141 (22.9%) |
| Median Home Value | $547,089 |
| Average Home Value | $540,671 |
Housing Distribution
Address Breakdown
Residential
371
Single Family
371
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices