49415 Holland Manor DrRidgeMD20628
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 49415 Holland Manor Dr, Ridge, MD, 20628 in Ridge, $349,000, 8.15% gross yield, $199/mo net income. Consider it a market-entry position, the $2,370/mo rent covers the $1,569/mo payment with a margin, and 5%/yr appreciation is projected to add $96,422 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.51) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $145,262.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.0% |
| Monthly Cash Flow | $199 | $1,200 |
City averages based on Ridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,370 |
| Total Monthly Debt Service | $2,032 |
| DSCR Ratio | 1.17x |
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 1974
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20628, Dameron, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 254 (100%) |
| Owner Occupied HU | 146 (57.5%) |
| Renter Occupied HU | 55 (21.7%) |
| Vacant Housing Units | 53 (20.9%) |
| Median Home Value | $470,370 |
| Average Home Value | $501,901 |
Housing Distribution
Address Breakdown
Residential
177
Single Family
177
Multi-Family
0
Businesses
8
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 1974
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20628, Dameron, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 254 (100%) |
| Owner Occupied HU | 146 (57.5%) |
| Renter Occupied HU | 55 (21.7%) |
| Vacant Housing Units | 53 (20.9%) |
| Median Home Value | $470,370 |
| Average Home Value | $501,901 |
Housing Distribution
Address Breakdown
Residential
177
Single Family
177
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices