57 Liberty 1/2 StWestminsterMD21157
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 57 Liberty 1/2 St, Westminster, MD, 21157 in Westminster deserves attention. This $189,995 property earns $2,756/mo in rent, a 17.41% gross yield, and nets $1,575/mo after the $854/mo payment. DSCR 3.23 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $52,492 compounds alongside $1,750/yr in yearly equity build, for a total cumulative return of $173,437.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.4% | 7.0% |
| Monthly Cash Flow | $1,575 | $350 |
City averages based on Westminster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,756 |
| Total Monthly Debt Service | $1,106 |
| DSCR Ratio | 2.49x |
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 1880
2,638 sqft 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
Townhouse
Built in 1880
2,638 sqft 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