8 Cross Falls CirSparksMD21152
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 8 Cross Falls Cir, Sparks, MD, 21152 in Sparks. Priced at $427,900, it generates $3,948/mo in gross rent and $1,187/mo in net monthly cash flow, a 11.07% yield that comfortably supports the 2.05 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $14,240. Five-year appreciation: $118,221. Equity from principal paydown: $3,941/yr. Total projected cumulative return: $239,151.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.5% |
| Monthly Cash Flow | $1,187 | $450 |
City averages based on Sparks market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,948 |
| Total Monthly Debt Service | $2,591 |
| DSCR Ratio | 1.52x |
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 1986
2,178 sqft lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21152, Sparks Glencoe, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,515 (100%) |
| Owner Occupied HU | 1,873 (74.5%) |
| Renter Occupied HU | 535 (21.3%) |
| Vacant Housing Units | 107 ( 4.3%) |
| Median Home Value | $525,689 |
| Average Home Value | $664,610 |
Housing Distribution
Address Breakdown
Residential
2,479
Single Family
1,789
Multi-Family
690
Businesses
198
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 1986
2,178 sqft lot
$N/A/sqft
$100 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21152, Sparks Glencoe, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,515 (100%) |
| Owner Occupied HU | 1,873 (74.5%) |
| Renter Occupied HU | 535 (21.3%) |
| Vacant Housing Units | 107 ( 4.3%) |
| Median Home Value | $525,689 |
| Average Home Value | $664,610 |
Housing Distribution
Address Breakdown
Residential
2,479
Single Family
1,789
Multi-Family
690
Businesses
198
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices