7231 Talisman LnColumbiaMD21045
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 7231 Talisman Ln, Columbia, MD, 21045 in Columbia speaks for itself: 10.56% gross on a $409,900 price, generating $3,607/mo in rent and $948/mo in net income after the $1,843/mo debt service. DSCR 1.96, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,374 stacks alongside $113,248 in projected five-year appreciation and $3,775/yr in principal reduction. Projected total cumulative return: $216,944.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 5.1% |
| Monthly Cash Flow | $948 | $1,850 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,607 |
| Total Monthly Debt Service | $2,496 |
| DSCR Ratio | 1.44x |
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 1975
1,437 sqft lot
$N/A/sqft
$110 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21045, Columbia, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,435 (100%) |
| Owner Occupied HU | 10,201 (66.1%) |
| Renter Occupied HU | 4,829 (31.3%) |
| Vacant Housing Units | 405 ( 2.6%) |
| Median Home Value | $491,719 |
| Average Home Value | $519,908 |
Housing Distribution
Address Breakdown
Residential
15,220
Single Family
12,375
Multi-Family
2,845
Businesses
1,739
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 1975
1,437 sqft lot
$N/A/sqft
$110 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21045, Columbia, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,435 (100%) |
| Owner Occupied HU | 10,201 (66.1%) |
| Renter Occupied HU | 4,829 (31.3%) |
| Vacant Housing Units | 405 ( 2.6%) |
| Median Home Value | $491,719 |
| Average Home Value | $519,908 |
Housing Distribution
Address Breakdown
Residential
15,220
Single Family
12,375
Multi-Family
2,845
Businesses
1,739
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices