961 College DrArnoldMD21012
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 961 College Dr, Arnold, MD, 21012 in Arnold is narrow, $87/mo net on $4,061/mo rent after the $2,873/mo debt service, but the property operates at break-even-plus, not a loss. At $639,000 with a 7.63% yield, the long-run equity case via 5% appreciation ($176,544 over five years) and $5,885/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.41 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $248,015.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 7.0% |
| Monthly Cash Flow | $87 | $350 |
City averages based on Arnold market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,061 |
| Total Monthly Debt Service | $3,720 |
| DSCR Ratio | 1.09x |
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 1969
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21012, Arnold, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,487 (100%) |
| Owner Occupied HU | 7,081 (83.4%) |
| Renter Occupied HU | 1,093 (12.9%) |
| Vacant Housing Units | 313 ( 3.7%) |
| Median Home Value | $625,563 |
| Average Home Value | $712,094 |
Housing Distribution
Address Breakdown
Residential
8,353
Single Family
7,712
Multi-Family
641
Businesses
535
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 1969
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21012, Arnold, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,487 (100%) |
| Owner Occupied HU | 7,081 (83.4%) |
| Renter Occupied HU | 1,093 (12.9%) |
| Vacant Housing Units | 313 ( 3.7%) |
| Median Home Value | $625,563 |
| Average Home Value | $712,094 |
Housing Distribution
Address Breakdown
Residential
8,353
Single Family
7,712
Multi-Family
641
Businesses
535
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices