7103 Split Rail LnLaurelMD20707
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.36% yield at 7103 Split Rail Ln, Laurel, MD, 20707 in Laurel is solid, but the $1,246/mo payment compresses net cash flow to $128/mo at $277,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $76,530 by year five, and $2,551/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.55) without U.S. income documentation. Total projected return: $118,380.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.2% |
| Monthly Cash Flow | $128 | $1,850 |
City averages based on Laurel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,930 |
| Total Monthly Debt Service | $1,613 |
| 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.
Townhouse
Built in 1981
2,821 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20707, Laurel, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,875 (100%) |
| Owner Occupied HU | 8,466 (53.3%) |
| Renter Occupied HU | 6,620 (41.7%) |
| Vacant Housing Units | 789 ( 5.0%) |
| Median Home Value | $507,151 |
| Average Home Value | $561,046 |
Housing Distribution
Address Breakdown
Residential
15,719
Single Family
9,632
Multi-Family
6,087
Businesses
1,314
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 1981
2,821 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20707, Laurel, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,875 (100%) |
| Owner Occupied HU | 8,466 (53.3%) |
| Renter Occupied HU | 6,620 (41.7%) |
| Vacant Housing Units | 789 ( 5.0%) |
| Median Home Value | $507,151 |
| Average Home Value | $561,046 |
Housing Distribution
Address Breakdown
Residential
15,719
Single Family
9,632
Multi-Family
6,087
Businesses
1,314
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices