Church 100 Church StCallawayMD20620
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: Church 100 Church St, Callaway, MD, 20620 in Callaway at $220,000 earns $1,560/mo in rent and nets $189/mo after the $989/mo payment, a 8.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $60,782 over five years. Ziffy Mortgage underwrites this on a 1.58 DSCR without U.S. credit history. With $2,026/yr in principal paydown, total projected return reaches $95,834.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $189 | $1,200 |
City averages based on Callaway market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,560 |
| Total Monthly Debt Service | $1,281 |
| DSCR Ratio | 1.22x |
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 1850
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20620, Callaway, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 683 (100%) |
| Owner Occupied HU | 454 (66.5%) |
| Renter Occupied HU | 193 (28.3%) |
| Vacant Housing Units | 36 ( 5.3%) |
| Median Home Value | $458,824 |
| Average Home Value | $491,344 |
Housing Distribution
Address Breakdown
Residential
464
Single Family
464
Multi-Family
0
Businesses
74
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 1850
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20620, Callaway, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 683 (100%) |
| Owner Occupied HU | 454 (66.5%) |
| Renter Occupied HU | 193 (28.3%) |
| Vacant Housing Units | 36 ( 5.3%) |
| Median Home Value | $458,824 |
| Average Home Value | $491,344 |
Housing Distribution
Address Breakdown
Residential
464
Single Family
464
Multi-Family
0
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Bedenbaugh • Blackstream International LLC
Mls Name: MLS Of Greenwood Sc Inc.
Mls ID: #132815
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.