811 Columbia AveCumberlandMD21502
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 811 Columbia Ave, Cumberland, MD, 21502 in Cumberland deserves attention. This $142,900 property earns $1,913/mo in rent, a 16.06% gross yield, and nets $1,015/mo after the $643/mo payment. DSCR 2.98 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $39,481 compounds alongside $1,316/yr in yearly equity build, for a total cumulative return of $119,561.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.1% | 6.5% |
| Monthly Cash Flow | $1,015 | $350 |
City averages based on Cumberland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,913 |
| Total Monthly Debt Service | $841 |
| DSCR Ratio | 2.27x |
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 1894
7,000 sqft 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 1894
7,000 sqft 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