413 Railroad AveMardela SpringsMD21837
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 413 Railroad Ave, Mardela Springs, MD, 21837 in Mardela Springs. At $274,900 it earns $2,177/mo in rent and distributes $467/mo to the owner after the $1,236/mo payment, a consistent 9.5% yield. DSCR 1.76 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $75,950 in value; $2,532/yr in principal paydown compounds ownership stake. Total projected return: $134,358.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $467 | $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 | $2,177 |
| Total Monthly Debt Service | $1,600 |
| DSCR Ratio | 1.36x |
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 1910
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21837, Mardela Springs, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,212 (100%) |
| Owner Occupied HU | 906 (74.8%) |
| Renter Occupied HU | 182 (15.0%) |
| Vacant Housing Units | 124 (10.2%) |
| Median Home Value | $293,878 |
| Average Home Value | $357,359 |
Housing Distribution
Address Breakdown
Residential
986
Single Family
986
Multi-Family
0
Businesses
61
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 1910
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 21837, Mardela Springs, MD area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,212 (100%) |
| Owner Occupied HU | 906 (74.8%) |
| Renter Occupied HU | 182 (15.0%) |
| Vacant Housing Units | 124 (10.2%) |
| Median Home Value | $293,878 |
| Average Home Value | $357,359 |
Housing Distribution
Address Breakdown
Residential
986
Single Family
986
Multi-Family
0
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #MDWC2022178