8238 Dam 4 Rd #4WilliamsportMD21795
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $484,900, 8238 Dam 4 Rd #4, Williamsport, MD, 21795 in Williamsport generates $3,174/mo in rent (7.85% yield) but nets only $158/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.46) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $133,969. Total projected return: $194,149.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.2% |
| Monthly Cash Flow | $158 | $120 |
City averages based on Williamsport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,174 |
| Total Monthly Debt Service | $2,823 |
| DSCR Ratio | 1.12x |
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 1949
2.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21795, Williamsport, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,588 (100%) |
| Owner Occupied HU | 2,824 (61.6%) |
| Renter Occupied HU | 1,341 (29.2%) |
| Vacant Housing Units | 423 ( 9.2%) |
| Median Home Value | $331,405 |
| Average Home Value | $360,760 |
Housing Distribution
Address Breakdown
Residential
4,034
Single Family
3,348
Multi-Family
686
Businesses
332
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 1949
2.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21795, Williamsport, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,588 (100%) |
| Owner Occupied HU | 2,824 (61.6%) |
| Renter Occupied HU | 1,341 (29.2%) |
| Vacant Housing Units | 423 ( 9.2%) |
| Median Home Value | $331,405 |
| Average Home Value | $360,760 |
Housing Distribution
Address Breakdown
Residential
4,034
Single Family
3,348
Multi-Family
686
Businesses
332
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDWA2031980