Donovan Plan, St. JamesAccokeekMD20607
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderDonovan Plan, St. James, Accokeek, MD, 20607 in Accokeek earns a respectable 7.61% gross yield at $824,990, but after the $3,710/mo mortgage the net cash flow is $103/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.41) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $227,930 over five years, making equity the dominant return driver. Total projected return: $319,529.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.3% |
| Monthly Cash Flow | $103 | $320 |
City averages based on Accokeek market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,234 |
| Total Monthly Debt Service | $4,803 |
| DSCR Ratio | 1.09x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20607, Accokeek, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,661 (100%) |
| Owner Occupied HU | 4,208 (90.3%) |
| Renter Occupied HU | 284 ( 6.1%) |
| Vacant Housing Units | 169 ( 3.6%) |
| Median Home Value | $585,548 |
| Average Home Value | $592,790 |
Housing Distribution
Address Breakdown
Residential
4,675
Single Family
4,675
Multi-Family
0
Businesses
185
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20607, Accokeek, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,661 (100%) |
| Owner Occupied HU | 4,208 (90.3%) |
| Renter Occupied HU | 284 ( 6.1%) |
| Vacant Housing Units | 169 ( 3.6%) |
| Median Home Value | $585,548 |
| Average Home Value | $592,790 |
Housing Distribution
Address Breakdown
Residential
4,675
Single Family
4,675
Multi-Family
0
Businesses
185
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
