Ruby Plan, Montgomery Oaks, North East, MD, 21901 | $899/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 North East at Ruby Plan, Montgomery Oaks, North East, MD, 21901 listed at $485,990 pairs $3,922/mo rent with a $2,379/mo payment to leave $899/mo cash flow. Total monthly income runs $3,922/mo, and annual cash flow reaches $10,789/yr on $161,106 cash to close. Return on cash invested measures 26.61% in year one, and rental yield registers 9.68% 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 138.81% and total cumulative return in cash totals $223,633. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $3,922/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 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