6945 Rose LnLa PlataMD20646
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 6945 Rose Ln, La Plata, MD, 20646 in La Plata delivers $3,306/mo in gross rent and $370/mo in net monthly income at a $472,000 entry. The 8.41% yield and 1.56 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $130,405 over five years and $4,347/yr in equity from loan paydown, total projected return is $202,908.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.0% |
| Monthly Cash Flow | $370 | $250 |
City averages based on La Plata market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,306 |
| Total Monthly Debt Service | $2,748 |
| DSCR Ratio | 1.20x |
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 1976
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20646, La Plata, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,606 (100%) |
| Owner Occupied HU | 6,894 (80.1%) |
| Renter Occupied HU | 1,353 (15.7%) |
| Vacant Housing Units | 359 ( 4.2%) |
| Median Home Value | $485,791 |
| Average Home Value | $513,060 |
Housing Distribution
Address Breakdown
Residential
8,242
Single Family
7,917
Multi-Family
325
Businesses
809
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 1976
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20646, La Plata, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,606 (100%) |
| Owner Occupied HU | 6,894 (80.1%) |
| Renter Occupied HU | 1,353 (15.7%) |
| Vacant Housing Units | 359 ( 4.2%) |
| Median Home Value | $485,791 |
| Average Home Value | $513,060 |
Housing Distribution
Address Breakdown
Residential
8,242
Single Family
7,917
Multi-Family
325
Businesses
809
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices