9171 Deepwater Point RdSaint MichaelsMD21663
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 9171 Deepwater Point Rd, Saint Michaels, MD, 21663 in Saint Michaels worth study. Rental yield 4.19%. The 4.19% gross yield is below cash-flow benchmarks at $1,635,000, but 5% annual appreciation, adding $451,720 over five years, frames this as a capital growth position. Rent of $5,704/mo partially offsets the $7,352/mo payment. Ziffy Mortgage finances appreciation-play properties (0.78 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $332,855.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.8% |
| Monthly Cash Flow | $(4,465) | $1,200 |
City averages based on Saint Michaels market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,704 |
| Total Monthly Debt Service | $9,518 |
| DSCR Ratio | 0.60x |
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 1992
6.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21663, Saint Michaels, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,116 (100%) |
| Owner Occupied HU | 1,125 (53.2%) |
| Renter Occupied HU | 394 (18.6%) |
| Vacant Housing Units | 597 (28.2%) |
| Median Home Value | $691,382 |
| Average Home Value | $890,696 |
Housing Distribution
Address Breakdown
Residential
1,549
Single Family
1,549
Multi-Family
0
Businesses
211
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 1992
6.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21663, Saint Michaels, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,116 (100%) |
| Owner Occupied HU | 1,125 (53.2%) |
| Renter Occupied HU | 394 (18.6%) |
| Vacant Housing Units | 597 (28.2%) |
| Median Home Value | $691,382 |
| Average Home Value | $890,696 |
Housing Distribution
Address Breakdown
Residential
1,549
Single Family
1,549
Multi-Family
0
Businesses
211
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Laura Carney • TTR Sotheby's International Realty
Mls Name: Bright MLS
Mls ID: #MDTA2011890