Almshouse RdOxfordMD21654
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, Almshouse Rd, Oxford, MD, 21654 in Oxford deserves attention. This $187,800 property earns $2,708/mo in rent, a 17.31% gross yield, and nets $1,540/mo after the $844/mo payment. DSCR 3.21 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $51,886 compounds alongside $1,730/yr in yearly equity build, for a total cumulative return of $170,401.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.3% | 6.0% |
| Monthly Cash Flow | $1,540 | $500 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,708 |
| Total Monthly Debt Service | $1,093 |
| DSCR Ratio | 2.48x |
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 N/A
54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21654, Oxford, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 391 (51.7%) |
| Renter Occupied HU | 80 (10.6%) |
| Vacant Housing Units | 285 (37.7%) |
| Median Home Value | $827,381 |
| Average Home Value | $990,294 |
Housing Distribution
Address Breakdown
Residential
461
Single Family
461
Multi-Family
0
Businesses
63
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 N/A
54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21654, Oxford, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 391 (51.7%) |
| Renter Occupied HU | 80 (10.6%) |
| Vacant Housing Units | 285 (37.7%) |
| Median Home Value | $827,381 |
| Average Home Value | $990,294 |
Housing Distribution
Address Breakdown
Residential
461
Single Family
461
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices