709 Wye Oak DrFruitlandMD21826
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 709 Wye Oak Dr, Fruitland, MD, 21826 in Fruitland speaks for itself: 11.03% gross on a $235,000 price, generating $2,160/mo in rent and $639/mo in net income after the $1,057/mo debt service. DSCR 2.04, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,664 stacks alongside $64,926 in projected five-year appreciation and $2,164/yr in principal reduction. Projected total cumulative return: $130,496.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $639 | $850 |
City averages based on Fruitland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $1,428 |
| DSCR Ratio | 1.51x |
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.
Townhouse
Built in 2008
2,000 sqft lot
$N/A/sqft
$458 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21826, Fruitland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,395 (100%) |
| Owner Occupied HU | 1,400 (58.5%) |
| Renter Occupied HU | 781 (32.6%) |
| Vacant Housing Units | 214 ( 8.9%) |
| Median Home Value | $294,326 |
| Average Home Value | $320,239 |
Housing Distribution
Address Breakdown
Residential
2,219
Single Family
2,219
Multi-Family
0
Businesses
200
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 2008
2,000 sqft lot
$N/A/sqft
$458 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21826, Fruitland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,395 (100%) |
| Owner Occupied HU | 1,400 (58.5%) |
| Renter Occupied HU | 781 (32.6%) |
| Vacant Housing Units | 214 ( 8.9%) |
| Median Home Value | $294,326 |
| Average Home Value | $320,239 |
Housing Distribution
Address Breakdown
Residential
2,219
Single Family
2,219
Multi-Family
0
Businesses
200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices