729 E Oak StOaklandMD21550
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Oakland rentals match the income profile of 729 E Oak St, Oakland, MD, 21550. Listed at $185,000, gross rent is $1,780/mo and net cash flow is $629/mo, a 11.54% yield well above national averages. DSCR 2.14 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $51,112 by year five with $1,704/yr in annual principal reduction, projecting $110,681 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 5.8% |
| Monthly Cash Flow | $629 | $750 |
City averages based on Oakland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,780 |
| Total Monthly Debt Service | $1,077 |
| DSCR Ratio | 1.65x |
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 1940
8,151 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21550, Oakland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,200 (100%) |
| Owner Occupied HU | 4,452 (54.3%) |
| Renter Occupied HU | 1,331 (16.2%) |
| Vacant Housing Units | 2,417 (29.5%) |
| Median Home Value | $269,200 |
| Average Home Value | $353,393 |
Housing Distribution
Address Breakdown
Residential
6,713
Single Family
6,415
Multi-Family
298
Businesses
688
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 1940
8,151 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21550, Oakland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,200 (100%) |
| Owner Occupied HU | 4,452 (54.3%) |
| Renter Occupied HU | 1,331 (16.2%) |
| Vacant Housing Units | 2,417 (29.5%) |
| Median Home Value | $269,200 |
| Average Home Value | $353,393 |
Housing Distribution
Address Breakdown
Residential
6,713
Single Family
6,415
Multi-Family
298
Businesses
688
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices