Columbia w/ Finished Basement Plan, Church Hill HuntChurch HillMD21623
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines Columbia w/ Finished Basement Plan, Church Hill Hunt, Church Hill, MD, 21623 in Church Hill: $4,682/mo in rent, $1,778/mo net, 12.03% gross yield, all on a $466,990 acquisition. The 2.23 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $129,021 in value, and $4,301/yr in principal paydown steadily builds equity. Projected total cumulative return: $291,551.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.2% |
| Monthly Cash Flow | $1,778 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,682 |
| Total Monthly Debt Service | $2,719 |
| DSCR Ratio | 1.72x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21623, Church Hill, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 825 (100%) |
| Owner Occupied HU | 635 (77.0%) |
| Renter Occupied HU | 140 (17.0%) |
| Vacant Housing Units | 50 ( 6.1%) |
| Median Home Value | $445,635 |
| Average Home Value | $490,476 |
Housing Distribution
Address Breakdown
Residential
788
Single Family
768
Multi-Family
20
Businesses
49
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21623, Church Hill, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 825 (100%) |
| Owner Occupied HU | 635 (77.0%) |
| Renter Occupied HU | 140 (17.0%) |
| Vacant Housing Units | 50 ( 6.1%) |
| Median Home Value | $445,635 |
| Average Home Value | $490,476 |
Housing Distribution
Address Breakdown
Residential
788
Single Family
768
Multi-Family
20
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices