9795 Early Spring WayColumbiaMD21046
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 9795 Early Spring Way, Columbia, MD, 21046 in Columbia is listed at $495,000 and delivers $3,434/mo in rent and $356/mo in net monthly cash flow. The 8.33% yield and 1.54 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $136,759 over five years, and $4,559/yr in principal reduction supplements cash return. Total projected cumulative return: $210,665.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.1% |
| Monthly Cash Flow | $356 | $1,850 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,434 |
| Total Monthly Debt Service | $2,882 |
| DSCR Ratio | 1.19x |
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 1981
2,395 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 1981
2,395 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