Rutledge Plan, Hickory Ridge FarmHighlandMD20777
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. Rental yield 5.11%. Rutledge Plan, Hickory Ridge Farm, Highland, MD, 20777 in Highland at $1,809,900, 5.11% gross yield, is a market-growth asset. The $7,700/mo rent partially funds the $8,138/mo debt service; the core return is the 5%/yr price growth projected to add $500,042 over five years. Ziffy Mortgage's DSCR mortgage (0.95) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $457,644.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.2% |
| Monthly Cash Flow | $(3,556) | $220 |
City averages based on Highland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,700 |
| Total Monthly Debt Service | $10,537 |
| DSCR Ratio | 0.73x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20777, Highland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,262 (100%) |
| Owner Occupied HU | 1,158 (91.8%) |
| Renter Occupied HU | 59 ( 4.7%) |
| Vacant Housing Units | 45 ( 3.6%) |
| Median Home Value | $914,562 |
| Average Home Value | $999,836 |
Housing Distribution
Address Breakdown
Residential
1,178
Single Family
1,178
Multi-Family
0
Businesses
148
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20777, Highland, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,262 (100%) |
| Owner Occupied HU | 1,158 (91.8%) |
| Renter Occupied HU | 59 ( 4.7%) |
| Vacant Housing Units | 45 ( 3.6%) |
| Median Home Value | $914,562 |
| Average Home Value | $999,836 |
Housing Distribution
Address Breakdown
Residential
1,178
Single Family
1,178
Multi-Family
0
Businesses
148
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
