54 John StWestminsterMD21157
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 54 John St, Westminster, MD, 21157 in Westminster speaks for itself: 25.59% gross on a $100,000 price, generating $2,132/mo in rent and $1,510/mo in net income after the $450/mo debt service. DSCR 4.74, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $18,125 stacks alongside $27,628 in projected five-year appreciation and $921/yr in principal reduction. Projected total cumulative return: $132,305.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 25.6% | 7.0% |
| Monthly Cash Flow | $1,510 | $350 |
City averages based on Westminster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,132 |
| Total Monthly Debt Service | $629 |
| DSCR Ratio | 3.39x |
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.
Condo
Built in 1900
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21157, Westminster, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,358 (100%) |
| Owner Occupied HU | 11,007 (71.7%) |
| Renter Occupied HU | 3,696 (24.1%) |
| Vacant Housing Units | 655 ( 4.3%) |
| Median Home Value | $438,695 |
| Average Home Value | $477,453 |
Housing Distribution
Address Breakdown
Residential
14,992
Single Family
14,137
Multi-Family
855
Businesses
1,432
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
Condo
Built in 1900
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21157, Westminster, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,358 (100%) |
| Owner Occupied HU | 11,007 (71.7%) |
| Renter Occupied HU | 3,696 (24.1%) |
| Vacant Housing Units | 655 ( 4.3%) |
| Median Home Value | $438,695 |
| Average Home Value | $477,453 |
Housing Distribution
Address Breakdown
Residential
14,992
Single Family
14,137
Multi-Family
855
Businesses
1,432
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices