8109 Old Hagerstown Rd, Middletown, MD, 21769 | $1,153/mo Cash Flow

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8109 Old Hagerstown Rd, Middletown, MD, 21769 | $1,153/mo Cash Flow | Ziffy

For Sale

Listed for sale 2 days ago

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Middletown at 8109 Old Hagerstown Rd, Middletown, MD, 21769 offers a 10.55% rental yield on a $449,000 purchase with $3,946/mo rent. Total monthly income registers $3,946/mo, and a $2,198/mo payment leaves $1,153/mo available for distribution. Annual cash flow reaches $13,837/yr on $148,844 to close, and return on cash invested stands at 29.21% in year one. Equity gained on principal adds $2,897/yr while 5% annual appreciation supports $124,050 over five years. Portfolio math shows five-year ROI at 152.76% and total cumulative return in cash at $227,368. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $3,946/mo property income against a $2,198/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Single Family

Built in 1900

0.49 Acres lot

$N/A/sqft

No HOA

More details about the property

Beautifully renovated oversized farmhouse nestled in the heart of Middletown Valley, where timeless character meets modern comfort. This charming 3-bedroom, 2-full-bath home is truly move-in ready and filled with warmth and natural light. On the main floor you will find a spacious open concept living area with custom fireplace, while the updated kitchen showcases SS appliances/quartz countertops/white shaker cabinets/ a custom tiled backsplash and lots of countertop space for entertaining. On the 2nd floor there are 3 large bedrooms, a laundry room, a large full bath with custom tile work and owners suite with a access to a private rear balcony as well as access to the full walk up attic! Outside you can relax on the covered front porch and take in the peaceful surroundings, or entertain in the generous yard framed by scenic valley views. A standout feature is the two-story man cave with a workshop below and an upper-level living spaceideal for conversion into a private studio, home office, or creative retreat. On top of all this there is a brand new roof, new furnace and new AC!

Neighborhood Data

Neighborhood data shown for ZIP Code: 21769, Middletown, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	4,486 (100%)
Owner Occupied HU	3,801 (84.7%)
Renter Occupied HU	524 (11.7%)
Vacant Housing Units	161 ( 3.6%)
Median Home Value	$591,569
Average Home Value	$646,696