650 Field RdLusbyMD20657
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow650 Field Rd, Lusby, MD, 20657 in Lusby earns its strong cash-flow label: 11.54% yield, $2,309/mo rent, $801/mo net income, DSCR 2.14. The $240,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $66,308 by year five. Combined with $2,210/yr in principal paydown, total projected return reaches $143,574.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.5% |
| Monthly Cash Flow | $801 | $320 |
City averages based on Lusby market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,309 |
| Total Monthly Debt Service | $1,397 |
| DSCR Ratio | 1.65x |
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
6,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20657, Lusby, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,087 (100%) |
| Owner Occupied HU | 6,053 (74.8%) |
| Renter Occupied HU | 1,232 (15.2%) |
| Vacant Housing Units | 802 ( 9.9%) |
| Median Home Value | $367,668 |
| Average Home Value | $430,451 |
Housing Distribution
Address Breakdown
Residential
7,243
Single Family
7,100
Multi-Family
143
Businesses
202
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
6,500 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20657, Lusby, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,087 (100%) |
| Owner Occupied HU | 6,053 (74.8%) |
| Renter Occupied HU | 1,232 (15.2%) |
| Vacant Housing Units | 802 ( 9.9%) |
| Median Home Value | $367,668 |
| Average Home Value | $430,451 |
Housing Distribution
Address Breakdown
Residential
7,243
Single Family
7,100
Multi-Family
143
Businesses
202
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices