9755 Tara DrDunkirkMD20754
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 9755 Tara Dr, Dunkirk, MD, 20754 in Dunkirk at $620,000 earns $4,001/mo in rent and nets $145/mo after the $2,788/mo payment, a 7.74% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $171,295 over five years. Ziffy Mortgage underwrites this on a 1.44 DSCR without U.S. credit history. With $5,710/yr in principal paydown, total projected return reaches $244,512.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $145 | $850 |
City averages based on Dunkirk market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,001 |
| Total Monthly Debt Service | $3,609 |
| DSCR Ratio | 1.11x |
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 1988
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20754, Dunkirk, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,553 (100%) |
| Owner Occupied HU | 2,313 (90.6%) |
| Renter Occupied HU | 146 ( 5.7%) |
| Vacant Housing Units | 94 ( 3.7%) |
| Median Home Value | $631,649 |
| Average Home Value | $672,979 |
Housing Distribution
Address Breakdown
Residential
2,406
Single Family
2,406
Multi-Family
0
Businesses
320
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 1988
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20754, Dunkirk, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,553 (100%) |
| Owner Occupied HU | 2,313 (90.6%) |
| Renter Occupied HU | 146 ( 5.7%) |
| Vacant Housing Units | 94 ( 3.7%) |
| Median Home Value | $631,649 |
| Average Home Value | $672,979 |
Housing Distribution
Address Breakdown
Residential
2,406
Single Family
2,406
Multi-Family
0
Businesses
320
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices