926 Calvert AveSaint MichaelsMD21663
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 926 Calvert Ave, Saint Michaels, MD, 21663 in Saint Michaels is a conservative rental investment at $436,950. Rental yield 6.92%. A 1.28 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $120,721; $4,024/yr in principal paydown supplements. Total projected return: $153,059.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.8% |
| Monthly Cash Flow | $(198) | $1,200 |
City averages based on Saint Michaels market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,520 |
| Total Monthly Debt Service | $2,544 |
| DSCR Ratio | 0.99x |
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 2001
0.26 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 2001
0.26 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: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDTA2012924