26 Orchard DrPt DepositMD21904
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 26 Orchard Dr, Pt Deposit, MD, 21904 in Pt Deposit. Priced at $120,000, it generates $1,914/mo in gross rent and $1,168/mo in net monthly cash flow, a 19.14% yield that comfortably supports the 3.54 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $14,012. Five-year appreciation: $33,154. Equity from principal paydown: $1,105/yr. Total projected cumulative return: $120,621.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 19.1% | 6.2% |
| Monthly Cash Flow | $1,168 | $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 | $1,914 |
| Total Monthly Debt Service | $699 |
| DSCR Ratio | 2.74x |
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.
Manufactured
Built in 2008
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21904, Port Deposit, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,913 (100%) |
| Owner Occupied HU | 2,243 (77.0%) |
| Renter Occupied HU | 386 (13.3%) |
| Vacant Housing Units | 284 ( 9.7%) |
| Median Home Value | $357,517 |
| Average Home Value | $372,179 |
Housing Distribution
Address Breakdown
Residential
2,704
Single Family
2,680
Multi-Family
24
Businesses
101
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
Manufactured
Built in 2008
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21904, Port Deposit, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,913 (100%) |
| Owner Occupied HU | 2,243 (77.0%) |
| Renter Occupied HU | 386 (13.3%) |
| Vacant Housing Units | 284 ( 9.7%) |
| Median Home Value | $357,517 |
| Average Home Value | $372,179 |
Housing Distribution
Address Breakdown
Residential
2,704
Single Family
2,680
Multi-Family
24
Businesses
101
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ann Jackson • Harlan C. Williams Co.
Mls Name: Bright MLS
Mls Provider:
Mls ID: #MDCC2018820