520 Bay St, Berlin, MD, 21811 | $562/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Berlin at 520 Bay St, Berlin, MD, 21811 offers a 9.87% rental yield on a $279,900 purchase with $2,303/mo rent. Total monthly income registers $2,303/mo, and a $1,370/mo payment leaves $562/mo available for distribution. Annual cash flow reaches $6,746/yr on $92,787 to close, and return on cash invested stands at 27.18% in year one. Equity gained on principal adds $1,806/yr while 5% annual appreciation supports $77,331 over five years. Portfolio math shows five-year ROI at 141.91% and total cumulative return in cash at $131,677. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $2,303/mo property income against a $1,370/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Single Family

Built in 1994

8,646 sqft lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 21811, Berlin, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	16,557 (100%)
Owner Occupied HU	8,949 (54.0%)
Renter Occupied HU	2,329 (14.1%)
Vacant Housing Units	5,279 (31.9%)
Median Home Value	$402,871
Average Home Value	$482,648