637 Andrew Hill Rd #21ArnoldMD21012
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 637 Andrew Hill Rd #21, Arnold, MD, 21012 in Arnold offers a clean, manageable entry. Rental yield 6.11%. DSCR 1.13 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $179,555 in additional property value over five years, with $5,986/yr in principal equity building ownership stake. Total projected cumulative return: $199,430.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 7.0% |
| Monthly Cash Flow | $(950) | $350 |
City averages based on Arnold 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 | $3,310 |
| Total Monthly Debt Service | $3,783 |
| DSCR Ratio | 0.87x |
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.
Townhouse
Built in 1999
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21012, Arnold, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,487 (100%) |
| Owner Occupied HU | 7,081 (83.4%) |
| Renter Occupied HU | 1,093 (12.9%) |
| Vacant Housing Units | 313 ( 3.7%) |
| Median Home Value | $625,563 |
| Average Home Value | $712,094 |
Housing Distribution
Address Breakdown
Residential
8,353
Single Family
7,712
Multi-Family
641
Businesses
535
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 1999
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21012, Arnold, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,487 (100%) |
| Owner Occupied HU | 7,081 (83.4%) |
| Renter Occupied HU | 1,093 (12.9%) |
| Vacant Housing Units | 313 ( 3.7%) |
| Median Home Value | $625,563 |
| Average Home Value | $712,094 |
Housing Distribution
Address Breakdown
Residential
8,353
Single Family
7,712
Multi-Family
641
Businesses
535
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices