7957 Blue Stream DrElkridgeMD21075
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.08% yield at 7957 Blue Stream Dr, Elkridge, MD, 21075 in Elkridge is solid, but the $2,779/mo payment compresses net cash flow to $135/mo at $618,000. 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 $170,742 by year five, and $5,692/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $243,891.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.5% |
| Monthly Cash Flow | $135 | $450 |
City averages based on Elkridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,159 |
| Total Monthly Debt Service | $3,779 |
| DSCR Ratio | 1.10x |
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 2021
1,233 sqft lot
$N/A/sqft
$181 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21075, Elkridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,735 (100%) |
| Owner Occupied HU | 8,811 (64.1%) |
| Renter Occupied HU | 4,584 (33.4%) |
| Vacant Housing Units | 340 ( 2.5%) |
| Median Home Value | $514,340 |
| Average Home Value | $560,891 |
Housing Distribution
Address Breakdown
Residential
13,951
Single Family
10,041
Multi-Family
3,910
Businesses
1,062
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 2021
1,233 sqft lot
$N/A/sqft
$181 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21075, Elkridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,735 (100%) |
| Owner Occupied HU | 8,811 (64.1%) |
| Renter Occupied HU | 4,584 (33.4%) |
| Vacant Housing Units | 340 ( 2.5%) |
| Median Home Value | $514,340 |
| Average Home Value | $560,891 |
Housing Distribution
Address Breakdown
Residential
13,951
Single Family
10,041
Multi-Family
3,910
Businesses
1,062
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices