6025 Hosta CtElkridgeMD21075
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 6025 Hosta Ct, Elkridge, MD, 21075 in Elkridge: $3,730/mo in rent, $523/mo in net income, 8.68% gross yield, 1.61 DSCR, all at $515,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $142,423 in appreciation and $4,748/yr in principal paydown projects total cumulative return of $229,253.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.5% |
| Monthly Cash Flow | $523 | $450 |
City averages based on Elkridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,730 |
| Total Monthly Debt Service | $3,001 |
| DSCR Ratio | 1.24x |
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 1989
9,373 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21075, Elkridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,735 (100%) |
| Owner Occupied HU | 8,811 (64.1%) |
| Renter Occupied HU | 4,584 (33.4%) |
| Vacant Housing Units | 340 ( 2.5%) |
| Median Home Value | $514,340 |
| Average Home Value | $560,891 |
Housing Distribution
Address Breakdown
Residential
13,951
Single Family
10,041
Multi-Family
3,910
Businesses
1,062
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 1989
9,373 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21075, Elkridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,735 (100%) |
| Owner Occupied HU | 8,811 (64.1%) |
| Renter Occupied HU | 4,584 (33.4%) |
| Vacant Housing Units | 340 ( 2.5%) |
| Median Home Value | $514,340 |
| Average Home Value | $560,891 |
Housing Distribution
Address Breakdown
Residential
13,951
Single Family
10,041
Multi-Family
3,910
Businesses
1,062
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices