Stem RdUnion bridgeMD21791
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at Stem Rd, Union bridge, MD, 21791 in Union bridge. Priced at $129,667, it generates $4,243/mo in gross rent and $3,427/mo in net monthly cash flow, a 39.27% yield that comfortably supports the 7.28 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $41,129. Five-year appreciation: $35,825. Equity from principal paydown: $1,194/yr. Total projected cumulative return: $269,775.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 39.3% | 8.2% |
| Monthly Cash Flow | $3,427 | $450 |
City averages based on Union bridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,243 |
| Total Monthly Debt Service | $764 |
| DSCR Ratio | 5.55x |
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.
Home Type Unknown
Built in N/A
3.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21791, Union Bridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,187 (100%) |
| Owner Occupied HU | 1,692 (77.4%) |
| Renter Occupied HU | 376 (17.2%) |
| Vacant Housing Units | 119 ( 5.4%) |
| Median Home Value | $529,442 |
| Average Home Value | $601,399 |
Housing Distribution
Address Breakdown
Residential
1,812
Single Family
1,791
Multi-Family
21
Businesses
68
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
Home Type Unknown
Built in N/A
3.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21791, Union Bridge, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,187 (100%) |
| Owner Occupied HU | 1,692 (77.4%) |
| Renter Occupied HU | 376 (17.2%) |
| Vacant Housing Units | 119 ( 5.4%) |
| Median Home Value | $529,442 |
| Average Home Value | $601,399 |
Housing Distribution
Address Breakdown
Residential
1,812
Single Family
1,791
Multi-Family
21
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A