8710 Sum PlCharlotte HallMD20622
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 8710 Sum Pl, Charlotte Hall, MD, 20622 in Charlotte Hall speaks for itself: 10.39% gross on a $379,900 price, generating $3,289/mo in rent and $926/mo in net income after the $1,708/mo debt service. DSCR 1.93, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,117 stacks alongside $104,959 in projected five-year appreciation and $3,499/yr in principal reduction. Projected total cumulative return: $203,733.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 7.0% |
| Monthly Cash Flow | $926 | $1,200 |
City averages based on Charlotte Hall market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,289 |
| Total Monthly Debt Service | $2,212 |
| DSCR Ratio | 1.49x |
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 1966
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20622, Charlotte Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,510 (100%) |
| Owner Occupied HU | 1,293 (85.6%) |
| Renter Occupied HU | 158 (10.5%) |
| Vacant Housing Units | 59 ( 3.9%) |
| Median Home Value | $451,262 |
| Average Home Value | $478,823 |
Housing Distribution
Address Breakdown
Residential
1,560
Single Family
1,560
Multi-Family
0
Businesses
254
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 1966
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20622, Charlotte Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,510 (100%) |
| Owner Occupied HU | 1,293 (85.6%) |
| Renter Occupied HU | 158 (10.5%) |
| Vacant Housing Units | 59 ( 3.9%) |
| Median Home Value | $451,262 |
| Average Home Value | $478,823 |
Housing Distribution
Address Breakdown
Residential
1,560
Single Family
1,560
Multi-Family
0
Businesses
254
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDCH2050090