12438 Whisper Creek CtCharlotte HallMD20622
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 12438 Whisper Creek Ct, Charlotte Hall, MD, 20622 in Charlotte Hall at $699,950. Rental yield 6.44%. The 6.44% yield and 1.19 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $193,383 by year five, and $6,447/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $227,025.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.2% |
| Monthly Cash Flow | $(598) | $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 | $3,755 |
| Total Monthly Debt Service | $4,075 |
| DSCR Ratio | 0.92x |
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.
Single Family
Built in 2003
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20622, Charlotte Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,510 (100%) |
| Owner Occupied HU | 1,293 (85.6%) |
| Renter Occupied HU | 158 (10.5%) |
| Vacant Housing Units | 59 ( 3.9%) |
| Median Home Value | $451,262 |
| Average Home Value | $478,823 |
Housing Distribution
Address Breakdown
Residential
1,560
Single Family
1,560
Multi-Family
0
Businesses
254
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 2003
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 20622, Charlotte Hall, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,510 (100%) |
| Owner Occupied HU | 1,293 (85.6%) |
| Renter Occupied HU | 158 (10.5%) |
| Vacant Housing Units | 59 ( 3.9%) |
| Median Home Value | $451,262 |
| Average Home Value | $478,823 |
Housing Distribution
Address Breakdown
Residential
1,560
Single Family
1,560
Multi-Family
0
Businesses
254
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDCH2056156