Jewel Villa Lot 219 Plan, Emerald PointeHagerstownMD21742
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define Jewel Villa Lot 219 Plan, Emerald Pointe, Hagerstown, MD, 21742 in Hagerstown. Rental yield 6.29%. The 1.17 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $133,969 and $4,466/yr in principal reduction project total return of $140,341.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.2% |
| Monthly Cash Flow | $(693) | $450 |
City averages based on Hagerstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,543 |
| Total Monthly Debt Service | $3,043 |
| DSCR Ratio | 0.84x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
$220 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21742, Hagerstown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,303 (100%) |
| Owner Occupied HU | 9,197 (64.3%) |
| Renter Occupied HU | 4,190 (29.3%) |
| Vacant Housing Units | 916 ( 6.4%) |
| Median Home Value | $347,065 |
| Average Home Value | $391,442 |
Housing Distribution
Address Breakdown
Residential
14,152
Single Family
12,576
Multi-Family
1,576
Businesses
762
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
$220 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21742, Hagerstown, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,303 (100%) |
| Owner Occupied HU | 9,197 (64.3%) |
| Renter Occupied HU | 4,190 (29.3%) |
| Vacant Housing Units | 916 ( 6.4%) |
| Median Home Value | $347,065 |
| Average Home Value | $391,442 |
Housing Distribution
Address Breakdown
Residential
14,152
Single Family
12,576
Multi-Family
1,576
Businesses
762
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Paul Crampton Contractors
Mls Name: Paul Crampton Contractors
Mls Provider:
Mls ID: #N/A