834 Otsego St, Havre De Grace, MD, 21078 | $178/mo Cash Flow

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

Home Type: Single Family

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834 Otsego St, Havre De Grace, MD, 21078 | $178/mo Cash Flow | Ziffy

For Sale

Currently Rented

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 Havre De Grace at 834 Otsego St, Havre De Grace, MD, 21078 at $384,000 posts ROI 21.59% with $178/mo cash flow from $2,566/mo rent. Total monthly income equals $2,566/mo, and annual cash flow records $2,138/yr on $127,296 to close. Return on cash invested measures 21.59% and rental yield reads 8.02% at the current $384,000. Equity gained on principal adds $2,478/yr, and 5% annual appreciation supports $106,092 by year five. Five-year ROI prints 111.92% and total cumulative return in cash totals $142,472.
You can finance with Ziffy Mortgage’s DSCR loan, which relies on $2,566/mo property income rather than your personal income records (W2s, Paystubs, and Tax returns).

Single Family

Built in 1920

8,400 sqft lot

$N/A/sqft

No HOA

More details about the property

Step into home-sweet-home at this inviting 3-bedroom, 1-bath residence boasting approximately 1,700 sq ft of comfortable living space on an expansive 8,400 sq ft lot. From the moment you arrive, youre greeted by a classic white picket fence and a private driveway that leads to effortless parking. The heart of the home features a bright, open living area that flows seamlessly into the enclosed back porchideal for morning coffee, afternoon lounging, or cozy evenings with friends and family. Each of the three bedrooms offers generous proportions and natural light, while the single full bath has been thoughtfully maintained for everyday ease. Enjoy the peace of mind that comes with a newer gas HVAC system, elevating both comfort and efficiency. Outside, the expansive lot invites outdoor play, gardening, or relaxing under the stars. Tucked into a quiet neighborhood, this charming home perfectly blends classic curb appeal with practical updatesready for you to move in and make it your own. Dont miss the chance to embrace easy living with story-book charm and modern comfort. Contact us today to schedule a showing and see why this gem is the one youve been waiting for. No exceptions, 48 hour notice needed, tenant occupied.

Neighborhood Data

Neighborhood data shown for ZIP Code: 21078, Havre De Grace, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	9,099 (100%)
Owner Occupied HU	6,294 (69.2%)
Renter Occupied HU	2,219 (24.4%)
Vacant Housing Units	586 ( 6.4%)
Median Home Value	$445,721
Average Home Value	$488,694