617 Willow AveBaltimoreMD21212
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 617 Willow Ave, Baltimore, MD, 21212 in Baltimore at $229,000 earns $1,557/mo in rent and nets $133/mo after the $1,030/mo payment, a 8.16% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $63,268 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $2,109/yr in principal paydown, total projected return reaches $95,406.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 4.8% |
| Monthly Cash Flow | $133 | $850 |
City averages based on Baltimore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,557 |
| Total Monthly Debt Service | $1,333 |
| DSCR Ratio | 1.17x |
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 1920
1,005 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21212, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,393 (100%) |
| Owner Occupied HU | 8,572 (59.6%) |
| Renter Occupied HU | 4,608 (32.0%) |
| Vacant Housing Units | 1,213 ( 8.4%) |
| Median Home Value | $381,989 |
| Average Home Value | $467,085 |
Housing Distribution
Address Breakdown
Residential
13,017
Single Family
10,923
Multi-Family
2,094
Businesses
567
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 1920
1,005 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21212, Baltimore, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,393 (100%) |
| Owner Occupied HU | 8,572 (59.6%) |
| Renter Occupied HU | 4,608 (32.0%) |
| Vacant Housing Units | 1,213 ( 8.4%) |
| Median Home Value | $381,989 |
| Average Home Value | $467,085 |
Housing Distribution
Address Breakdown
Residential
13,017
Single Family
10,923
Multi-Family
2,094
Businesses
567
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices