995 Pagonia DrJoppaMD21085
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 995 Pagonia Dr, Joppa, MD, 21085 in Joppa speaks for itself: 11.93% gross on a $541,990 price, generating $5,388/mo in rent and $1,892/mo in net income after the $2,437/mo debt service. DSCR 2.21, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $22,705 stacks alongside $149,742 in projected five-year appreciation and $4,992/yr in principal reduction. Projected total cumulative return: $327,903.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.0% |
| Monthly Cash Flow | $1,892 | $300 |
City averages based on Joppa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,388 |
| Total Monthly Debt Service | $3,280 |
| DSCR Ratio | 1.64x |
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 2024
7,500 sqft lot
$N/A/sqft
$125 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21085, Joppa, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,293 (100%) |
| Owner Occupied HU | 5,716 (78.4%) |
| Renter Occupied HU | 1,258 (17.2%) |
| Vacant Housing Units | 319 ( 4.4%) |
| Median Home Value | $379,594 |
| Average Home Value | $447,700 |
Housing Distribution
Address Breakdown
Residential
7,103
Single Family
6,721
Multi-Family
382
Businesses
324
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 2024
7,500 sqft lot
$N/A/sqft
$125 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21085, Joppa, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,293 (100%) |
| Owner Occupied HU | 5,716 (78.4%) |
| Renter Occupied HU | 1,258 (17.2%) |
| Vacant Housing Units | 319 ( 4.4%) |
| Median Home Value | $379,594 |
| Average Home Value | $447,700 |
Housing Distribution
Address Breakdown
Residential
7,103
Single Family
6,721
Multi-Family
382
Businesses
324
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices