9214 Pirates CvColumbiaMD21046
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 9214 Pirates Cv, Columbia, MD, 21046 in Columbia delivers $3,068/mo in gross rent and $452/mo in net monthly income at a $409,500 entry. The 8.99% yield and 1.67 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $113,137 over five years and $3,772/yr in equity from loan paydown, total projected return is $188,925.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.1% |
| Monthly Cash Flow | $452 | $1,850 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,068 |
| Total Monthly Debt Service | $2,384 |
| DSCR Ratio | 1.29x |
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.
Townhouse
Built in 1988
2,482 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21046, Columbia, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,530 (100%) |
| Owner Occupied HU | 4,264 (65.3%) |
| Renter Occupied HU | 2,065 (31.6%) |
| Vacant Housing Units | 201 ( 3.1%) |
| Median Home Value | $527,733 |
| Average Home Value | $550,182 |
Housing Distribution
Address Breakdown
Residential
6,437
Single Family
4,934
Multi-Family
1,503
Businesses
980
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
Townhouse
Built in 1988
2,482 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21046, Columbia, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,530 (100%) |
| Owner Occupied HU | 4,264 (65.3%) |
| Renter Occupied HU | 2,065 (31.6%) |
| Vacant Housing Units | 201 ( 3.1%) |
| Median Home Value | $527,733 |
| Average Home Value | $550,182 |
Housing Distribution
Address Breakdown
Residential
6,437
Single Family
4,934
Multi-Family
1,503
Businesses
980
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices