$131,000

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630 Patapsco Baltimore, MD, United States 21225

ðŸ�  Renter-to-Owner Advantage Swap every rent check for equity-your payment stays the same. Estimated Mortgage (5% down on $131K @ 6.5% 30 yr): Loan: $124,450 †' P&I ‰ˆ $785 / mo Taxes ( $1,100 / yr): $92 / mo Insurance ( $800 / yr): $67 / mo Total PITI ‰ˆ $944 / mo vs. $1,300 rent †' $356 / mo savings Year 1 Equity Build: Principal Pay-down: ‰ˆ $1,300 3% Market Appreciation: ‰ˆ $3,930 Total Wealth Gain: ˆ¼ $5,230 Rent Credit Option: Apply the current tenant's $1,300/month lease toward your mortgage or down payment. Enjoy 3 bedrooms, a private rear yard, updated kitchen, hardwood floors and a walkable Brooklyn block near schools, parks and commuter routes. At $131,000, this is where affordability meets long-term wealth building. Unlock a solid brick rowhome at $131,000 with a month-to-month tenant paying $1,300 / mo and rental comps at $1,400-$1,600 / mo. Gross Annual Rent (current): $1,300 × 12 = $15,600 Yield: 15,600 / 131,000 ‰ˆ 11.9% Pro Forma with $1,500 / mo rents: $1,500 × 12 = $18,000 †' Yield ‰ˆ 13.7% Expenses (est. 40% of gross rent): Current rent: 15,600 × 0.40 = $6,240 / yr NOI: 15,600 - 6,240 = $9,360 / yr †' Cap Rate: 9,360 / 131,000 ‰ˆ 7.1% With $1,500/mo: NOI ‰ˆ 10,800 †' Cap Rate ‰ˆ 8.2% Debt Service & Cash-on-Cash (75% LTV @ 6.5% - 30 yr): Loan: $98,250 †' P&I ‰ˆ $621 / mo †' $7,452 / yr Annual Cash Flow: 9,360 - 7,452 = $1,908 †' CoC ‰ˆ 5.8% Fresh paint, new flooring, modern fixtures and a low-maintenance brick exterior keep upfront cap-ex minimal. No HOA, low taxes, plus on-street parking. Minutes to transit (Route 40 bus, Light Rail), CCBC, shops and eateries ensure steady demand.

Amenities

  • Bedrooms: 3
  • Full Bathrooms: 1
  • Partial Bathrooms: 1
  • Property Type: Residential
  • Architectural Style: Other
  • Year Built: 1927
  • Built in 1927
  • Home size: 0 ft2 / 0.00 m2
  • MLS: MDBA2181246
  • Status: Active
Copyright © 2025 Long & Foster Real Estate. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

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Long & Foster Real Estate Inc.

(703) 877-7800

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