Investment property · DSCR screen

3-bed townhouse in Baltimore, MD

Baltimore, MD 21218 · Baltimore City County · Active

3 bed, 1 bath townhouse for sale in Baltimore, MD — Listed by EXP Realty, LLC

Beds3

Baths1

Sq ft1,140

Year built1920

TypeTownhouse

Lot871 sqft

The I/O payment, line by line

Interest-only debt service: $625
Property tax + insurance: $295
HOA: None reported
Total: $920
30-year P&I at 6.375%: $624
30-year PITIA: $919

Taxes and insurance are this listing's actual figures ($295/mo). No HOA fee is reported for this listing, so none is included — and on a townhouse that usually means the fee is missing from the data rather than genuinely zero. A real fee would reduce the DSCR above, possibly below the 1.25 we screen for. On a purchase price of $125,000 (as of August 2026) with 20% down, the loan is $100,000. Rate, term and costs are the published assumptions, not a quote — your actual payment depends on your credit, reserves, entity structure and the appraisal.

Flood risk

1/10

Minimal risk · FEMA zone X (unshaded)

Low modeled flood risk. Standard hazard insurance is normally enough.

Listing facts

Revenue comparables11 · High confidence

ListedMay 3, 2026

Days on market101

StatusActive

Revenue comps11

ConfidenceHigh

Let's polish these numbers

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I'm looking at this home on your Investment Properties page:

3-bed townhouse in Baltimore, MD 21218
Scout listing ID: 6928956173
/investment-properties/p/3-bed-townhouse-baltimore-21218-6928956173/

List price: $125,000 (as of August 2026)
Townhouse · 3 bed · 1 bath · 1,140 sqft · built 1920
County: Baltimore City

Projected short-term-rental revenue: $22,900–$29,100 a year
Based on 11 comparable listings at high confidence — ZIP + bedroom comparables, not an appraisal of this home

Estimated interest-only payment at 80% LTV and 7.5%:
· Interest: $625
· Property tax + insurance: $295
· HOA: none reported
· Total: $920

Estimated I/O DSCR after a 20% operating-cost allowance: 1.89 — Exceptional · well above the 1.25 line (the listing's actual taxes and insurance; NO HOA fee is reported for it, so none is included — a real fee would lower this)
Estimated 30-year DSCR at 6.375%: 1.89

Can you tell me what DSCR and other loans look like for this property, and are there others like it in this market?

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