85 King Richard RdBerlinMD21811
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 85 King Richard Rd, Berlin, MD, 21811 in Berlin fits: $875,000, 4.11% gross yield, and a projected 5% annual appreciation rate adding $241,746 in value within five years. Rental yield 4.11%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.76) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,059/yr in principal paydown and $241,746 in appreciation project a total return of $174,743.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(2,524) | $280 |
City averages based on Berlin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $5,094 |
| DSCR Ratio | 0.59x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21811, Berlin, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,557 (100%) |
| Owner Occupied HU | 8,949 (54.0%) |
| Renter Occupied HU | 2,329 (14.1%) |
| Vacant Housing Units | 5,279 (31.9%) |
| Median Home Value | $402,871 |
| Average Home Value | $482,648 |
Housing Distribution
Address Breakdown
Residential
13,440
Single Family
11,760
Multi-Family
1,680
Businesses
837
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 2026
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21811, Berlin, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,557 (100%) |
| Owner Occupied HU | 8,949 (54.0%) |
| Renter Occupied HU | 2,329 (14.1%) |
| Vacant Housing Units | 5,279 (31.9%) |
| Median Home Value | $402,871 |
| Average Home Value | $482,648 |
Housing Distribution
Address Breakdown
Residential
13,440
Single Family
11,760
Multi-Family
1,680
Businesses
837
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices