9989 Ridgeline DrMontgomery VillageMD20886
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 9989 Ridgeline Dr, Montgomery Village, MD, 20886 in Montgomery Village. At $358,000 it earns $2,930/mo in rent and distributes $608/mo to the owner after the $1,610/mo payment, a consistent 9.82% yield. DSCR 1.82 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $98,909 in value; $3,297/yr in principal paydown compounds ownership stake. Total projected return: $181,074.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.0% |
| Monthly Cash Flow | $608 | $800 |
City averages based on Montgomery Village market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,930 |
| Total Monthly Debt Service | $2,084 |
| DSCR Ratio | 1.41x |
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 1978
1,449 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20886, Montgomery Village, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,638 (100%) |
| Owner Occupied HU | 8,423 (66.6%) |
| Renter Occupied HU | 3,772 (29.8%) |
| Vacant Housing Units | 443 ( 3.5%) |
| Median Home Value | $408,841 |
| Average Home Value | $465,457 |
Housing Distribution
Address Breakdown
Residential
12,603
Single Family
9,660
Multi-Family
2,943
Businesses
377
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 1978
1,449 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20886, Montgomery Village, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,638 (100%) |
| Owner Occupied HU | 8,423 (66.6%) |
| Renter Occupied HU | 3,772 (29.8%) |
| Vacant Housing Units | 443 ( 3.5%) |
| Median Home Value | $408,841 |
| Average Home Value | $465,457 |
Housing Distribution
Address Breakdown
Residential
12,603
Single Family
9,660
Multi-Family
2,943
Businesses
377
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amanda Swain • Long & Foster Real Estate, Inc.
Mls Name: Bright MLS
Mls ID: #MDMC2208900