12 Orchid DrBearDE19701
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 12 Orchid Dr, Bear, DE, 19701 in Bear is narrow, $173/mo net on $3,649/mo rent after the $2,675/mo debt service, but the property operates at break-even-plus, not a loss. At $595,000 with a 7.36% yield, the long-run equity case via 5% appreciation ($164,388 over five years) and $5,480/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.36 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $237,898.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $173 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,649 |
| Total Monthly Debt Service | $3,206 |
| DSCR Ratio | 1.14x |
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 1998
9,148 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19701, Bear, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,521 (100%) |
| Owner Occupied HU | 12,885 (78.0%) |
| Renter Occupied HU | 3,089 (18.7%) |
| Vacant Housing Units | 547 ( 3.3%) |
| Median Home Value | $385,141 |
| Average Home Value | $401,688 |
Housing Distribution
Address Breakdown
Residential
16,404
Single Family
14,748
Multi-Family
1,656
Businesses
920
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 1998
9,148 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19701, Bear, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,521 (100%) |
| Owner Occupied HU | 12,885 (78.0%) |
| Renter Occupied HU | 3,089 (18.7%) |
| Vacant Housing Units | 547 ( 3.3%) |
| Median Home Value | $385,141 |
| Average Home Value | $401,688 |
Housing Distribution
Address Breakdown
Residential
16,404
Single Family
14,748
Multi-Family
1,656
Businesses
920
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices