7792 Ann Harbor DrPort TobaccoMD20677
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.85% yield at 7792 Ann Harbor Dr, Port Tobacco, MD, 20677 in Port Tobacco is solid, but the $2,244/mo payment compresses net cash flow to $160/mo at $499,000. 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 $137,865 by year five, and $4,596/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.45) without U.S. income documentation. Total projected return: $199,595.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.0% |
| Monthly Cash Flow | $160 | $550 |
City averages based on Port Tobacco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,264 |
| Total Monthly Debt Service | $2,905 |
| DSCR Ratio | 1.12x |
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 1966
1.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20677, Port Tobacco, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 984 (100%) |
| Owner Occupied HU | 859 (87.3%) |
| Renter Occupied HU | 79 ( 8.0%) |
| Vacant Housing Units | 46 ( 4.7%) |
| Median Home Value | $561,499 |
| Average Home Value | $577,354 |
Housing Distribution
Address Breakdown
Residential
881
Single Family
881
Multi-Family
0
Businesses
64
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 1966
1.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20677, Port Tobacco, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 984 (100%) |
| Owner Occupied HU | 859 (87.3%) |
| Renter Occupied HU | 79 ( 8.0%) |
| Vacant Housing Units | 46 ( 4.7%) |
| Median Home Value | $561,499 |
| Average Home Value | $577,354 |
Housing Distribution
Address Breakdown
Residential
881
Single Family
881
Multi-Family
0
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices