Shirley Plan, Vista ReserveWhite MarshMD21162
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at Shirley Plan, Vista Reserve, White Marsh, MD, 21162 in White Marsh speaks for itself: 11.79% gross on a $432,965 price, generating $4,039/mo in rent and $1,497/mo in net income after the $1,947/mo debt service. DSCR 2.07, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $17,968 stacks alongside $119,620 in projected five-year appreciation and $3,988/yr in principal reduction. Projected total cumulative return: $246,982.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 5.4% |
| Monthly Cash Flow | $1,497 | $450 |
City averages based on White Marsh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,039 |
| Total Monthly Debt Service | $2,586 |
| DSCR Ratio | 1.56x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
$65 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21162, White Marsh, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,788 (100%) |
| Owner Occupied HU | 1,422 (79.5%) |
| Renter Occupied HU | 274 (15.3%) |
| Vacant Housing Units | 92 ( 5.1%) |
| Median Home Value | $529,289 |
| Average Home Value | $537,727 |
Housing Distribution
Address Breakdown
Residential
1,749
Single Family
1,728
Multi-Family
21
Businesses
366
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
Townhouse
Built in 2025
N/A lot
$N/A/sqft
$65 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21162, White Marsh, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,788 (100%) |
| Owner Occupied HU | 1,422 (79.5%) |
| Renter Occupied HU | 274 (15.3%) |
| Vacant Housing Units | 92 ( 5.1%) |
| Median Home Value | $529,289 |
| Average Home Value | $537,727 |
Housing Distribution
Address Breakdown
Residential
1,749
Single Family
1,728
Multi-Family
21
Businesses
366
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Sage Homes
Mls Name: Sage Homes
Mls Provider:
Mls ID: #N/A