The Ellington Plan, Strathmore ViewKensingtonMD20895
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. Rental yield 4.91%. The Ellington Plan, Strathmore View, Kensington, MD, 20895 in Kensington fits: $1,374,900, 4.91% gross yield, and a projected 5% annual appreciation rate adding $379,860 in value within five years. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.91) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $12,663/yr in principal paydown and $379,860 in appreciation project a total return of $320,309.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.0% |
| Monthly Cash Flow | $(3,142) | $350 |
City averages based on Kensington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,624 |
| Total Monthly Debt Service | $8,219 |
| DSCR Ratio | 0.68x |
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.
Townhouse
Built in 2026
N/A lot
$N/A/sqft
$215 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20895, Kensington, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,739 (100%) |
| Owner Occupied HU | 5,980 (77.3%) |
| Renter Occupied HU | 1,463 (18.9%) |
| Vacant Housing Units | 296 ( 3.8%) |
| Median Home Value | $821,665 |
| Average Home Value | $893,088 |
Housing Distribution
Address Breakdown
Residential
7,492
Single Family
6,796
Multi-Family
696
Businesses
751
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 2026
N/A lot
$N/A/sqft
$215 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20895, Kensington, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,739 (100%) |
| Owner Occupied HU | 5,980 (77.3%) |
| Renter Occupied HU | 1,463 (18.9%) |
| Vacant Housing Units | 296 ( 3.8%) |
| Median Home Value | $821,665 |
| Average Home Value | $893,088 |
Housing Distribution
Address Breakdown
Residential
7,492
Single Family
6,796
Multi-Family
696
Businesses
751
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • The Neighborhoods of EYA
Mls Name: The Neighborhoods of EYA
Mls Provider:
Mls ID: #N/A