90 Charlotte StHagerstownMD21740








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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


Investment Highlights
Investment property for sale in Hagerstown at 90 Charlotte St, Hagerstown, MD, 21740 with 5% annual appreciation on a $465,000 basis while $3,374/mo rent supports operations. Total monthly income totals $3,374/mo and a $2,276/mo payment preserves $482/mo for cash returns. Annual cash flow comes to $5,782/yr on $154,148 deployed, and return on cash invested reaches 23.66% in year one. Equity gained on principal adds $3,001/yr, and five-year appreciation sums $128,471 alongside rental yield of 8.71%. Five-year ROI measures 122.99% and total cumulative return in cash totals $189,587.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $3,374/mo property income versus a $2,276/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 2023
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21740, Hagerstown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,521 (100%) |
| Owner Occupied HU | 14,671 (51.4%) |
| Renter Occupied HU | 11,531 (40.4%) |
| Vacant Housing Units | 2,319 ( 8.1%) |
| Median Home Value | $288,026 |
| Average Home Value | $345,481 |
Housing Distribution
Address Breakdown
Residential
26,569
Single Family
22,946
Multi-Family
3,623
Businesses
2,422
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Listed by: Robin Houston • Bennett Realty Solutions
Mls Name: Bright MLS
Mls ID: #MDWA2030762








