6001 Herring Bay RdDealeMD20751
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 6001 Herring Bay Rd, Deale, MD, 20751 in Deale is capital appreciation. Rental yield 3.96%. The 3.96% gross yield at $849,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $234,563 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.70) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $146,617.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.8% |
| Monthly Cash Flow | $(2,478) | $850 |
City averages based on Deale market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,802 |
| Total Monthly Debt Service | $5,150 |
| DSCR Ratio | 0.54x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1940
0.88 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20751, Deale, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,082 (100%) |
| Owner Occupied HU | 831 (76.8%) |
| Renter Occupied HU | 130 (12.0%) |
| Vacant Housing Units | 121 (11.2%) |
| Median Home Value | $744,693 |
| Average Home Value | $866,631 |
Housing Distribution
Address Breakdown
Residential
1,026
Single Family
1,026
Multi-Family
0
Businesses
130
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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
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