7270 Darby Downs UNIT JElkridgeMD21075
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 7270 Darby Downs UNIT J, Elkridge, MD, 21075 in Elkridge at $320,000 earns $2,168/mo in rent and nets $178/mo after the $1,439/mo payment, a 8.13% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $88,410 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $2,947/yr in principal paydown, total projected return reaches $132,812.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.5% |
| Monthly Cash Flow | $178 | $450 |
City averages based on Elkridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,168 |
| Total Monthly Debt Service | $1,863 |
| DSCR Ratio | 1.16x |
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.
Condo
Built in 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21075, Elkridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,735 (100%) |
| Owner Occupied HU | 8,811 (64.1%) |
| Renter Occupied HU | 4,584 (33.4%) |
| Vacant Housing Units | 340 ( 2.5%) |
| Median Home Value | $514,340 |
| Average Home Value | $560,891 |
Housing Distribution
Address Breakdown
Residential
13,951
Single Family
10,041
Multi-Family
3,910
Businesses
1,062
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
Condo
Built in 2007
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21075, Elkridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,735 (100%) |
| Owner Occupied HU | 8,811 (64.1%) |
| Renter Occupied HU | 4,584 (33.4%) |
| Vacant Housing Units | 340 ( 2.5%) |
| Median Home Value | $514,340 |
| Average Home Value | $560,891 |
Housing Distribution
Address Breakdown
Residential
13,951
Single Family
10,041
Multi-Family
3,910
Businesses
1,062
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices