The Jefferson Plan, Mount FriendshipSmyrnaDE19977
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: The Jefferson Plan, Mount Friendship, Smyrna, DE, 19977 in Smyrna at $605,990 earns $3,685/mo in rent and nets $179/mo after the $2,725/mo payment, a 7.3% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $167,424 over five years. Ziffy Mortgage underwrites this on a 1.35 DSCR without U.S. credit history. With $5,581/yr in principal paydown, total projected return reaches $240,223.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.5% |
| Monthly Cash Flow | $179 | $850 |
City averages based on Smyrna market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,685 |
| Total Monthly Debt Service | $3,265 |
| DSCR Ratio | 1.13x |
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.
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19977, Smyrna, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,092 (100%) |
| Owner Occupied HU | 8,859 (79.9%) |
| Renter Occupied HU | 1,695 (15.3%) |
| Vacant Housing Units | 538 ( 4.9%) |
| Median Home Value | $350,711 |
| Average Home Value | $357,988 |
Housing Distribution
Address Breakdown
Residential
10,762
Single Family
10,740
Multi-Family
22
Businesses
637
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19977, Smyrna, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,092 (100%) |
| Owner Occupied HU | 8,859 (79.9%) |
| Renter Occupied HU | 1,695 (15.3%) |
| Vacant Housing Units | 538 ( 4.9%) |
| Median Home Value | $350,711 |
| Average Home Value | $357,988 |
Housing Distribution
Address Breakdown
Residential
10,762
Single Family
10,740
Multi-Family
22
Businesses
637
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices