Ruby Plan, Montgomery OaksNorth EastMD21901
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowRuby Plan, Montgomery Oaks, North East, MD, 21901 in North East is a top-tier cash-flow asset. At $485,990 it produces $4,205/mo in rent and $1,182/mo in net monthly income, a 10.38% gross rental yield. The DSCR of 1.92 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $14,186. Five-year appreciation adds $134,270, driving a total cumulative return of $260,494.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 7.2% |
| Monthly Cash Flow | $1,182 | $850 |
City averages based on North East market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,205 |
| Total Monthly Debt Service | $2,829 |
| DSCR Ratio | 1.49x |
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: 21901, North East, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,213 (100%) |
| Owner Occupied HU | 5,121 (62.4%) |
| Renter Occupied HU | 2,190 (26.7%) |
| Vacant Housing Units | 902 (11.0%) |
| Median Home Value | $395,977 |
| Average Home Value | $418,006 |
Housing Distribution
Address Breakdown
Residential
7,934
Single Family
7,364
Multi-Family
570
Businesses
460
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: 21901, North East, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,213 (100%) |
| Owner Occupied HU | 5,121 (62.4%) |
| Renter Occupied HU | 2,190 (26.7%) |
| Vacant Housing Units | 902 (11.0%) |
| Median Home Value | $395,977 |
| Average Home Value | $418,006 |
Housing Distribution
Address Breakdown
Residential
7,934
Single Family
7,364
Multi-Family
570
Businesses
460
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Gemcraft Homes
Mls Name: Gemcraft Homes
Mls Provider:
Mls ID: #N/A