508 Cemetery StSharptownMD21861
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 508 Cemetery St, Sharptown, MD, 21861 in Sharptown is listed at $280,000 and delivers $2,104/mo in rent and $362/mo in net monthly cash flow. The 9.02% yield and 1.67 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $77,359 over five years, and $2,579/yr in principal reduction supplements cash return. Total projected cumulative return: $129,541.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.0% |
| Monthly Cash Flow | $362 | $1,200 |
City averages based on Sharptown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,104 |
| Total Monthly Debt Service | $1,630 |
| DSCR Ratio | 1.29x |
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 2007
10,778 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21861, Sharptown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 332 (100%) |
| Owner Occupied HU | 239 (72.0%) |
| Renter Occupied HU | 64 (19.3%) |
| Vacant Housing Units | 29 ( 8.7%) |
| Median Home Value | $229,741 |
| Average Home Value | $274,927 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
21
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 2007
10,778 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21861, Sharptown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 332 (100%) |
| Owner Occupied HU | 239 (72.0%) |
| Renter Occupied HU | 64 (19.3%) |
| Vacant Housing Units | 29 ( 8.7%) |
| Median Home Value | $229,741 |
| Average Home Value | $274,927 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices