5253 Lightfoot PathColumbiaMD21044
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 5253 Lightfoot Path, Columbia, MD, 21044 in Columbia at $565,000 earns $3,668/mo in rent and nets $70/mo after the $2,541/mo payment, a 7.79% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $156,099 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $5,204/yr in principal paydown, total projected return reaches $224,219.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.1% |
| Monthly Cash Flow | $70 | $1,850 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,668 |
| Total Monthly Debt Service | $3,289 |
| DSCR Ratio | 1.12x |
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.
Townhouse
Built in 1992
1,925 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21044, Columbia, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,678 (100%) |
| Owner Occupied HU | 11,050 (53.4%) |
| Renter Occupied HU | 8,488 (41.0%) |
| Vacant Housing Units | 1,140 ( 5.5%) |
| Median Home Value | $629,747 |
| Average Home Value | $657,495 |
Housing Distribution
Address Breakdown
Residential
20,145
Single Family
12,915
Multi-Family
7,230
Businesses
1,105
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
Townhouse
Built in 1992
1,925 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21044, Columbia, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,678 (100%) |
| Owner Occupied HU | 11,050 (53.4%) |
| Renter Occupied HU | 8,488 (41.0%) |
| Vacant Housing Units | 1,140 ( 5.5%) |
| Median Home Value | $629,747 |
| Average Home Value | $657,495 |
Housing Distribution
Address Breakdown
Residential
20,145
Single Family
12,915
Multi-Family
7,230
Businesses
1,105
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices