6474 Taylor Landing RdGirdletreeMD21829
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 6474 Taylor Landing Rd, Girdletree, MD, 21829 in Girdletree is capital appreciation. Rental yield 4.09%. The 4.09% gross yield at $799,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $220,749 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.76) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $158,655.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 5.3% |
| Monthly Cash Flow | $(2,244) | $350 |
City averages based on Girdletree market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,725 |
| Total Monthly Debt Service | $4,651 |
| DSCR Ratio | 0.59x |
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 1900
6.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21829, Girdletree, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 270 (100%) |
| Owner Occupied HU | 185 (68.5%) |
| Renter Occupied HU | 43 (15.9%) |
| Vacant Housing Units | 42 (15.6%) |
| Median Home Value | $350,893 |
| Average Home Value | $388,446 |
Housing Distribution
Address Breakdown
Residential
183
Single Family
183
Multi-Family
0
Businesses
6
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 1900
6.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21829, Girdletree, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 270 (100%) |
| Owner Occupied HU | 185 (68.5%) |
| Renter Occupied HU | 43 (15.9%) |
| Vacant Housing Units | 42 (15.6%) |
| Median Home Value | $350,893 |
| Average Home Value | $388,446 |
Housing Distribution
Address Breakdown
Residential
183
Single Family
183
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices