7795 Locust PlPort TobaccoMD20677
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 7795 Locust Pl, Port Tobacco, MD, 20677 in Port Tobacco fits: $835,000, 1.68% gross yield, and a projected 5% annual appreciation rate adding $230,695 in value within five years. Rental yield 1.68%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.31) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,690/yr in principal paydown and $230,695 in appreciation project a total return of $57,820.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 7.0% |
| Monthly Cash Flow | $(4,023) | $550 |
City averages based on Port Tobacco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,170 |
| Total Monthly Debt Service | $4,861 |
| DSCR Ratio | 0.24x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2002
2.47 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 2002
2.47 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
Listed by: Cathy Stottlemyer • CENTURY 21 New Millennium
Mls Name: Bright MLS
Mls ID: #MDCH2048588