6216 Mount Phillip RdFrederickMD21703
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 6216 Mount Phillip Rd, Frederick, MD, 21703 in Frederick worth study. Rental yield 5.23%. The 5.23% gross yield is below cash-flow benchmarks at $900,000, but 5% annual appreciation, adding $248,653 over five years, frames this as a capital growth position. Rent of $3,922/mo partially offsets the $4,047/mo payment. Ziffy Mortgage finances appreciation-play properties (0.97 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $233,569.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 5.6% |
| Monthly Cash Flow | $(1,676) | $285 |
City averages based on Frederick market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,922 |
| Total Monthly Debt Service | $5,239 |
| DSCR Ratio | 0.75x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2007
1.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21703, Frederick, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,079 (100%) |
| Owner Occupied HU | 11,278 (66.0%) |
| Renter Occupied HU | 5,112 (29.9%) |
| Vacant Housing Units | 689 ( 4.0%) |
| Median Home Value | $425,220 |
| Average Home Value | $488,306 |
Housing Distribution
Address Breakdown
Residential
16,391
Single Family
14,354
Multi-Family
2,037
Businesses
919
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 2007
1.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21703, Frederick, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,079 (100%) |
| Owner Occupied HU | 11,278 (66.0%) |
| Renter Occupied HU | 5,112 (29.9%) |
| Vacant Housing Units | 689 ( 4.0%) |
| Median Home Value | $425,220 |
| Average Home Value | $488,306 |
Housing Distribution
Address Breakdown
Residential
16,391
Single Family
14,354
Multi-Family
2,037
Businesses
919
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices