Ruby Plan, Montgomery Oaks, North East, MD, 21901 | $931/mo Cash Flow

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

Home Type: Single Family

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Ruby Plan, Montgomery Oaks, North East, MD, 21901 | $931/mo Cash Flow | Ziffy

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 North East at Ruby Plan, Montgomery Oaks, North East, MD, 21901 listed at $485,990 pairs $3,954/mo rent with a $2,379/mo payment to leave $931/mo cash flow. Total monthly income runs $3,954/mo, and annual cash flow reaches $11,173/yr on $161,106 cash to close. Return on cash invested measures 26.84% in year one, and rental yield registers 9.76% at a $485,990 basis. Equity gained on principal adds $3,136/yr, and annual property appreciation at 5% supports $134,270 by year five. Five-year ROI tracks 140.09% and total cumulative return in cash totals $225,697. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $3,954/mo property income relative to a $2,379/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).

Single Family

Built in 2025

N/A lot

$N/A/sqft

No HOA

More details about the property

As you walk in the first floor is an expansive, open floorplan of the Choice Room, Great Room, Breakfast Nook, and kitchen. The openness of these areas offers plenty of space and ease for informal dining and entertaining. The choice room has the option of substituting it with a private library that can be used as a home office or playroom. The Kitchen has a tremendous amount of space, plenty of cabinets, and a deep pantry, making storage plentiful and organization easy. Add to the Kitchen's counter space and cabinet storage with an optional kitchen island. As you climb up the stairs to the second floor you find a generous Owner's Suite with a walk-in closet and a private bathroom with a large shower, double vanity, and private water closet. The Owner's Suite shares the level with three additional bedrooms, a laundry room, a full hall bath, and a large loft area. The loft area may be optionally converted to a fifth bedroom.

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