4945 Montgomery RdEllicott CityMD21043
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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
Investment Highlights
Investment property for sale in Ellicott City at 4945 Montgomery Rd, Ellicott City, MD, 21043 offers a 7.74% rental yield on a $675,000 purchase with $4,352/mo rent. Total monthly income registers $4,352/mo, and a $3,304/mo payment leaves $154/mo available for distribution. Annual cash flow reaches $1,843/yr on $222,075 to close, and return on cash invested stands at 20.89% in year one. Equity gained on principal adds $4,356/yr while 5% annual appreciation supports $186,490 over five years. Portfolio math shows five-year ROI at 108.11% and total cumulative return in cash at $240,087. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $4,352/mo property income against a $3,304/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1965
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21043, Ellicott City, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,755 (100%) |
| Owner Occupied HU | 12,468 (66.5%) |
| Renter Occupied HU | 5,611 (29.9%) |
| Vacant Housing Units | 676 ( 3.6%) |
| Median Home Value | $688,466 |
| Average Home Value | $720,480 |
Housing Distribution
Address Breakdown
Residential
18,864
Single Family
13,418
Multi-Family
5,446
Businesses
767
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Listed by: John Toner • Keller Williams Realty Centre
Mls Name: Bright MLS
Mls ID: #MDHW2059450