8784 Cummings RdWittmanMD21676
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 8784 Cummings Rd, Wittman, MD, 21676 in Wittman is straightforward: $168,000 in, $1,275/mo in rent, $230/mo out after debt service. The 9.11% gross yield and 1.69 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $46,415 by year five. With $1,547/yr in principal equity, the total cumulative return is projected at $78,603.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.4% |
| Monthly Cash Flow | $230 | $1,000 |
City averages based on Wittman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,275 |
| Total Monthly Debt Service | $978 |
| DSCR Ratio | 1.30x |
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 1900
0.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21676, Wittman, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 266 (100%) |
| Owner Occupied HU | 137 (51.5%) |
| Renter Occupied HU | 25 ( 9.4%) |
| Vacant Housing Units | 104 (39.1%) |
| Median Home Value | $665,541 |
| Average Home Value | $773,723 |
Housing Distribution
Address Breakdown
Residential
57
Single Family
57
Multi-Family
0
Businesses
9
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 1900
0.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21676, Wittman, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 266 (100%) |
| Owner Occupied HU | 137 (51.5%) |
| Renter Occupied HU | 25 ( 9.4%) |
| Vacant Housing Units | 104 (39.1%) |
| Median Home Value | $665,541 |
| Average Home Value | $773,723 |
Housing Distribution
Address Breakdown
Residential
57
Single Family
57
Multi-Family
0
Businesses
9
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices