809 Valley View DrLavaleMD21502
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Lavale rental at 809 Valley View Dr, Lavale, MD, 21502 sits in the solid-income band: 9.91% gross yield, $1,978/mo rent, $488/mo net after the $1,077/mo debt service, DSCR 1.84. Entry price of $239,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $66,169 and $2,206/yr in principal reduction bring total cumulative return to $122,290.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.1% |
| Monthly Cash Flow | $488 | $450 |
City averages based on Lavale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,978 |
| Total Monthly Debt Service | $1,394 |
| DSCR Ratio | 1.42x |
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 1969
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21502, Cumberland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,121 (100%) |
| Owner Occupied HU | 11,103 (58.1%) |
| Renter Occupied HU | 4,972 (26.0%) |
| Vacant Housing Units | 3,046 (15.9%) |
| Median Home Value | $165,221 |
| Average Home Value | $212,127 |
Housing Distribution
Address Breakdown
Residential
17,230
Single Family
15,703
Multi-Family
1,527
Businesses
1,428
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 1969
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21502, Cumberland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,121 (100%) |
| Owner Occupied HU | 11,103 (58.1%) |
| Renter Occupied HU | 4,972 (26.0%) |
| Vacant Housing Units | 3,046 (15.9%) |
| Median Home Value | $165,221 |
| Average Home Value | $212,127 |
Housing Distribution
Address Breakdown
Residential
17,230
Single Family
15,703
Multi-Family
1,527
Businesses
1,428
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices