5235 Chalk Point RdWest RiverMD20778
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 5235 Chalk Point Rd, West River, MD, 20778 in West River. At $699,000 it earns $4,796/mo in rent and distributes $449/mo to the owner after the $3,143/mo payment, a consistent 8.23% yield. DSCR 1.53 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $193,121 in value; $6,438/yr in principal paydown compounds ownership stake. Total projected return: $294,021.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.0% |
| Monthly Cash Flow | $449 | $500 |
City averages based on West River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,796 |
| Total Monthly Debt Service | $4,069 |
| DSCR Ratio | 1.18x |
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 1990
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20778, West River, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 901 (100%) |
| Owner Occupied HU | 717 (79.6%) |
| Renter Occupied HU | 92 (10.2%) |
| Vacant Housing Units | 92 (10.2%) |
| Median Home Value | $789,676 |
| Average Home Value | $798,173 |
Housing Distribution
Address Breakdown
Residential
751
Single Family
751
Multi-Family
0
Businesses
28
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 1990
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20778, West River, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 901 (100%) |
| Owner Occupied HU | 717 (79.6%) |
| Renter Occupied HU | 92 (10.2%) |
| Vacant Housing Units | 92 (10.2%) |
| Median Home Value | $789,676 |
| Average Home Value | $798,173 |
Housing Distribution
Address Breakdown
Residential
751
Single Family
751
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDAA2134716