PARCEL Hilltop Dr #DManchesterMD21102
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at PARCEL Hilltop Dr #D, Manchester, MD, 21102 in Manchester speaks for itself: 16.01% gross on a $175,000 price, generating $2,335/mo in rent and $1,247/mo in net income after the $787/mo debt service. DSCR 2.97, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,961 stacks alongside $48,349 in projected five-year appreciation and $1,612/yr in principal reduction. Projected total cumulative return: $146,637.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16% | 7.0% |
| Monthly Cash Flow | $1,247 | $1,200 |
City averages based on Manchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,335 |
| Total Monthly Debt Service | $1,019 |
| DSCR Ratio | 2.29x |
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.
Lot
Built in N/A
4.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21102, Manchester, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,567 (100%) |
| Owner Occupied HU | 3,935 (86.2%) |
| Renter Occupied HU | 464 (10.2%) |
| Vacant Housing Units | 168 ( 3.7%) |
| Median Home Value | $437,756 |
| Average Home Value | $490,443 |
Housing Distribution
Address Breakdown
Residential
4,221
Single Family
4,221
Multi-Family
0
Businesses
186
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
Lot
Built in N/A
4.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21102, Manchester, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,567 (100%) |
| Owner Occupied HU | 3,935 (86.2%) |
| Renter Occupied HU | 464 (10.2%) |
| Vacant Housing Units | 168 ( 3.7%) |
| Median Home Value | $437,756 |
| Average Home Value | $490,443 |
Housing Distribution
Address Breakdown
Residential
4,221
Single Family
4,221
Multi-Family
0
Businesses
186
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices