5109 Bright Owl RdPerry HallMD21128
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 5109 Bright Owl Rd, Perry Hall, MD, 21128 in Perry Hall. Rental yield 6.46%. The 1.20 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $201,409 and $6,714/yr in principal reduction project total return of $230,649.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.5% |
| Monthly Cash Flow | $(721) | $220 |
City averages based on Perry Hall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,923 |
| Total Monthly Debt Service | $4,354 |
| DSCR Ratio | 0.90x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2006
9,652 sqft lot
$N/A/sqft
$110 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21128, Perry Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,291 (100%) |
| Owner Occupied HU | 5,096 (81.0%) |
| Renter Occupied HU | 956 (15.2%) |
| Vacant Housing Units | 239 ( 3.8%) |
| Median Home Value | $480,061 |
| Average Home Value | $512,184 |
Housing Distribution
Address Breakdown
Residential
6,074
Single Family
4,505
Multi-Family
1,569
Businesses
209
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 2006
9,652 sqft lot
$N/A/sqft
$110 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21128, Perry Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,291 (100%) |
| Owner Occupied HU | 5,096 (81.0%) |
| Renter Occupied HU | 956 (15.2%) |
| Vacant Housing Units | 239 ( 3.8%) |
| Median Home Value | $480,061 |
| Average Home Value | $512,184 |
Housing Distribution
Address Breakdown
Residential
6,074
Single Family
4,505
Multi-Family
1,569
Businesses
209
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices