7951 Otter Cove CtGaithersburgMD20886
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 7951 Otter Cove Ct, Gaithersburg, MD, 20886 in Gaithersburg: $3,098/mo in rent, $840/mo net, 10.75% gross yield, all on a $346,000 acquisition. The 1.99 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $95,593 in value, and $3,187/yr in principal paydown steadily builds equity. Projected total cumulative return: $185,713.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 5.1% |
| Monthly Cash Flow | $840 | $1,850 |
City averages based on Gaithersburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,098 |
| Total Monthly Debt Service | $2,121 |
| DSCR Ratio | 1.46x |
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.
Townhouse
Built in 1996
800 sqft lot
$N/A/sqft
$94 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20886, Montgomery Village, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,638 (100%) |
| Owner Occupied HU | 8,423 (66.6%) |
| Renter Occupied HU | 3,772 (29.8%) |
| Vacant Housing Units | 443 ( 3.5%) |
| Median Home Value | $408,841 |
| Average Home Value | $465,457 |
Housing Distribution
Address Breakdown
Residential
12,603
Single Family
9,660
Multi-Family
2,943
Businesses
377
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
Townhouse
Built in 1996
800 sqft lot
$N/A/sqft
$94 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20886, Montgomery Village, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,638 (100%) |
| Owner Occupied HU | 8,423 (66.6%) |
| Renter Occupied HU | 3,772 (29.8%) |
| Vacant Housing Units | 443 ( 3.5%) |
| Median Home Value | $408,841 |
| Average Home Value | $465,457 |
Housing Distribution
Address Breakdown
Residential
12,603
Single Family
9,660
Multi-Family
2,943
Businesses
377
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A