55 SecondEmmitsburgMD21727
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Emmitsburg rental at 55 Second, Emmitsburg, MD, 21727 sits in the solid-income band: 8.96% gross yield, $3,472/mo rent, $580/mo net after the $2,091/mo debt service, DSCR 1.66. Entry price of $464,990 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $128,468 and $4,283/yr in principal reduction bring total cumulative return to $213,687.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 7.0% |
| Monthly Cash Flow | $580 | $850 |
City averages based on Emmitsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,472 |
| Total Monthly Debt Service | $2,707 |
| DSCR Ratio | 1.28x |
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 2022
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21727, Emmitsburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,970 (100%) |
| Owner Occupied HU | 1,352 (68.6%) |
| Renter Occupied HU | 508 (25.8%) |
| Vacant Housing Units | 110 ( 5.6%) |
| Median Home Value | $456,658 |
| Average Home Value | $537,134 |
Housing Distribution
Address Breakdown
Residential
1,431
Single Family
1,289
Multi-Family
142
Businesses
162
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 2022
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21727, Emmitsburg, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,970 (100%) |
| Owner Occupied HU | 1,352 (68.6%) |
| Renter Occupied HU | 508 (25.8%) |
| Vacant Housing Units | 110 ( 5.6%) |
| Median Home Value | $456,658 |
| Average Home Value | $537,134 |
Housing Distribution
Address Breakdown
Residential
1,431
Single Family
1,289
Multi-Family
142
Businesses
162
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Long & Foster Broker Feed
Mls ID: #MDFR2078026