Penwell Plan, Ridgely's Reserve, Joppa, MD, 21085 | $596/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Joppa at Penwell Plan, Ridgely's Reserve, Joppa, MD, 21085 listed at $518,990 pairs $3,824/mo rent with a $2,540/mo payment to leave $596/mo cash flow. Total monthly income runs $3,824/mo, and annual cash flow reaches $7,156/yr on $170,748 cash to close. Return on cash invested measures 24.25% in year one, and rental yield registers 8.84% at a $518,990 basis. Equity gained on principal adds $3,349/yr, and annual property appreciation at 5% supports $143,387 by year five. Five-year ROI tracks 126.15% and total cumulative return in cash totals $215,394. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $3,824/mo property income relative to a $2,540/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).

Single Family

Built in 2026

N/A lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 21085, Joppa, MD area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	7,293 (100%)
Owner Occupied HU	5,716 (78.4%)
Renter Occupied HU	1,258 (17.2%)
Vacant Housing Units	319 ( 4.4%)
Median Home Value	$379,594
Average Home Value	$447,700