9557 Old Railroad RdMardela SpringsMD21837
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.09% yield at 9557 Old Railroad Rd, Mardela Springs, MD, 21837 in Mardela Springs is solid, but the $1,470/mo payment compresses net cash flow to $171/mo at $326,800. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $90,289 by year five, and $3,010/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $134,961.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 8.0% |
| Monthly Cash Flow | $171 | $300 |
City averages based on Mardela Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,203 |
| Total Monthly Debt Service | $1,903 |
| DSCR Ratio | 1.16x |
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 2009
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21837, Mardela Springs, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,212 (100%) |
| Owner Occupied HU | 906 (74.8%) |
| Renter Occupied HU | 182 (15.0%) |
| Vacant Housing Units | 124 (10.2%) |
| Median Home Value | $293,878 |
| Average Home Value | $357,359 |
Housing Distribution
Address Breakdown
Residential
986
Single Family
986
Multi-Family
0
Businesses
61
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 2009
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21837, Mardela Springs, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,212 (100%) |
| Owner Occupied HU | 906 (74.8%) |
| Renter Occupied HU | 182 (15.0%) |
| Vacant Housing Units | 124 (10.2%) |
| Median Home Value | $293,878 |
| Average Home Value | $357,359 |
Housing Distribution
Address Breakdown
Residential
986
Single Family
986
Multi-Family
0
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A