766 Dividing Creek RdArnoldMD21012
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 766 Dividing Creek Rd, Arnold, MD, 21012 in Arnold. Priced at $475,000, it generates $4,423/mo in gross rent and $1,469/mo in net monthly cash flow, a 11.17% yield that comfortably supports the 1.96 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $17,627. Five-year appreciation: $131,234. Equity from principal paydown: $3,982/yr. Total projected cumulative return: $265,751.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 7.0% |
| Monthly Cash Flow | $1,469 | $350 |
City averages based on Arnold market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,423 |
| Total Monthly Debt Service | $2,881 |
| DSCR Ratio | 1.54x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1900
0.44 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21012, Arnold, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,487 (100%) |
| Owner Occupied HU | 7,081 (83.4%) |
| Renter Occupied HU | 1,093 (12.9%) |
| Vacant Housing Units | 313 ( 3.7%) |
| Median Home Value | $625,563 |
| Average Home Value | $712,094 |
Housing Distribution
Address Breakdown
Residential
8,353
Single Family
7,712
Multi-Family
641
Businesses
535
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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
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Nearby investment properties with comparable prices
