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3617 Dahlia Ln
D Composite 43.92
Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +15.0/30.0
  • ARV discount +7.5/15.0
  • 1% rule +5.0/10.0
  • DSCR +5.0/10.0
  • Livability +3.9/5.0
  • Rent growth +2.7/5.0
  • Condition / age +2.5/5.0
  • Schools +2.3/10.0
  • Appreciation +0.0/10.0

$36,000

3617 Dahlia Ln · Middle River, MD 21220
2 bd · 2.0 ba · 792 sqft · Manufactured · 301 Days on market
Built 1974 $1133/mo HOA · 55% of rent ↓ 5% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This Clean and ready to go home has new carpet, fresh paint, and a Choice Home Warranty until February 2029. Welcome to this charming and move-in-ready 2-bedroom, 2-bath home that blends style, comfort, and convenience. Featuring tasteful updates throughout, this home offers everything you need for modern living. Enjoy year-round relaxation in the enclosed sun-room—perfect for savoring your morning coffee or winding down in the evening. Step outside to two fantastic outdoor spaces: a covered side patio and a spacious open back patio, ideal for entertaining guests or enjoying peaceful moments outdoors. Recent upgrades include a newer roof, new air conditioning, and a home warranty for added peace of mind. A storage shed provides convenient extra space for tools, equipment, or seasonal items. Located in a vibrant, amenity-rich community, residents enjoy access to: A community center with on-site maintenance, Fitness center, Two playgrounds, A dog park, Monthly resident activities, A secured storage lot and more. Conveniently situated near Route 43, I-95, and I-695, offering easy access to shopping, dining, and major commuter routes. Please Note: Park approval is required for all buyers. Don’t miss this opportunity to live in a beautiful home within a thriving, well-maintained community.

Key facts

  • New air conditioning
  • Enclosed sunroom
  • Storage shed

Tags

ENCLOSED SUNROOMCOVERED SIDE PATIOSPACIOUS OPEN BACK PATIONEW ROOFNEW AIR CONDITIONINGSTORAGE SHED

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.0-bath manufactured listed at $36k.

Deal economics

  • At list price, monthly cash flow is $243 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $36k).
  • Recommended offer: $32k (12.0% below list) — sets the bar for market timing.
  • Cap rate 14.4% vs local median 4.1% in Middle River — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 78/100 on livability (#76 in MD, #2,777 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A+; Watch: schools F, crime F.
  • Baltimore County Public Schools (suburban): math 15% / reading 34% proficiency, ranked #11 of 24 in MD (top 46%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: Rents flat; 251 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 1,511 units permitted in Baltimore County in 2024 (643 in 5+ unit buildings).
  • This rent runs 30% of the median local income ($82k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $249 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
  • Baltimore County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 0.8% rent growth), your $10k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 301 days — a 12% lower offer ($32k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 8y ago; this cycle's ask has dropped $18k (33%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $18k; list at $36k implies a 106% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: HOA is 55% of rent.
Recommended offer $31,680 (12.0% below list)

Questions for the listing agent

  1. It's been on market 301 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  8. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  9. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  10. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  11. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
5.71%
Cap rate
14.38%
Cash-on-cash
28.87%
DSCR
2.28
GRM
1.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.83% rent growth · sell at horizon

5-year hold
IRR
15.9%
Equity multiple
1.59×
Total profit
$5,945
Equity at exit
$5,368
10-year hold
IRR
18.7%
Equity multiple
2.07×
Total profit
$10,758
Equity at exit
$3,113

Cash invested: $10,080 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
27 Tenant-Leaning
State Maryland
27 Tenant-Leaning · D+14
County
— inherits STATE
City
— inherits STATE
Failure-to-pay is dismissed if cured before judgment; Baltimore has just-cause; strict deposit rules.

ZIP-level market 21220

Rents YoY
0.8%
Active inventory
251
Price-to-rent
1.5×

Monthly cashflow live

Estimated rent
$2,056 medium interval (Pro) →
Mortgage (P&I)
$189
Tax est. 1.5%
$45 /mo · $540/yr
Insurance
$15
HOA
$1,133
Vacancy / Maint / Mgmt
$432
Net cashflow
$243

Break-even live

Break-even rent $1,749
Max offer price $36,000
Occupancy floor 83%

Sensitivity live

Price -10% $267 -5% $255 +0% $243 +5% $230 +10% $218
Rent -10% $80 -5% $161 +0% $243 +5% $324 +10% $405
Rate -1.0pp $261 -0.5pp $252 base $243 +0.5pp $233 +1.0pp $224

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$9,000
Closing costs
$1,080
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 4 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
3736 White Pine Rd Middle River, MD 1.0–2.0 1.0 741 $1,310 $1.77 2d 21 0.88mi
37 Alberge Ln Middle River, MD 2.0–3.0 1.0–2.0 928 $1,215 $1.31 2d 8 0.99mi
11550 Crossroads Cir Middle River, MD 1.0–2.0 1.0–2.0 893 $2,849 $3.19 2d 15 1.05mi
6221 Greenleigh Ave Middle River, MD 1.0–2.0 1.0–2.0 1059 $2,957 $2.79 2d 16 1.22mi

HOA detail

Monthly dues
$1,133 · $13,596/yr
Likely covers
landscapinggym

Listing history 33 events

  1. 2026-06-18
    days on market $36,000 Active 301 DOM
  2. 2026-06-17
    days on market $36,000 Active 300 DOM
  3. 2026-06-16
    days on market $36,000 Active 299 DOM
  4. 2026-06-15
    days on market $36,000 Active 298 DOM
  5. 2026-06-13
    days on market $36,000 Active 296 DOM
  6. 2026-06-09
    days on market $36,000 Active 292 DOM
  7. 2026-06-08
    days on market $36,000 Active 291 DOM
  8. 2026-06-07
    days on market $36,000 Active 290 DOM
  9. 2026-06-04
    days on market $36,000 Active 287 DOM
  10. 2026-06-03
    days on market $36,000 Active 286 DOM
  11. 2026-06-02
    days on market $36,000 Active 285 DOM
  12. 2026-06-01
    days on market $36,000 Active 284 DOM
  13. 2026-05-31
    days on market $36,000 Active 283 DOM
  14. 2026-04-15
    status Active 1318-char remark
    Show marketing remark (1318 chars)

    This Clean and ready to go home has new carpet, fresh paint, and a Choice Home Warranty until February 2029. Welcome to this charming and move-in-ready 2-bedroom, 2-bath home that blends style, comfort, and convenience. Featuring tasteful updates throughout, this home offers everything you need for modern living. Enjoy year-round relaxation in the enclosed sun-room—perfect for savoring your morning coffee or winding down in the evening. Step outside to two fantastic outdoor spaces: a covered side patio and a spacious open back patio, ideal for entertaining guests or enjoying peaceful moments outdoors. Recent upgrades include a newer roof, new air conditioning, and a home warranty for added peace of mind. A storage shed provides convenient extra space for tools, equipment, or seasonal items. Located in a vibrant, amenity-rich community, residents enjoy access to: A community center with on-site maintenance, Fitness center, Two playgrounds, A dog park, Monthly resident activities, A secured storage lot and more. Conveniently situated near Route 43, I-95, and I-695, offering easy access to shopping, dining, and major commuter routes. Please Note: Park approval is required for all buyers. Don’t miss this opportunity to live in a beautiful home within a thriving, well-maintained community.

  15. 2026-04-07
    status Pending 1318-char remark
    Show marketing remark (1318 chars)

    This Clean and ready to go home has new carpet, fresh paint, and a Choice Home Warranty until February 2029. Welcome to this charming and move-in-ready 2-bedroom, 2-bath home that blends style, comfort, and convenience. Featuring tasteful updates throughout, this home offers everything you need for modern living. Enjoy year-round relaxation in the enclosed sun-room—perfect for savoring your morning coffee or winding down in the evening. Step outside to two fantastic outdoor spaces: a covered side patio and a spacious open back patio, ideal for entertaining guests or enjoying peaceful moments outdoors. Recent upgrades include a newer roof, new air conditioning, and a home warranty for added peace of mind. A storage shed provides convenient extra space for tools, equipment, or seasonal items. Located in a vibrant, amenity-rich community, residents enjoy access to: A community center with on-site maintenance, Fitness center, Two playgrounds, A dog park, Monthly resident activities, A secured storage lot and more. Conveniently situated near Route 43, I-95, and I-695, offering easy access to shopping, dining, and major commuter routes. Please Note: Park approval is required for all buyers. Don’t miss this opportunity to live in a beautiful home within a thriving, well-maintained community.

  16. 2026-04-06
    historical 1318-char remark
    Show marketing remark (1318 chars)

    This Clean and ready to go home has new carpet, fresh paint, and a Choice Home Warranty until February 2029. Welcome to this charming and move-in-ready 2-bedroom, 2-bath home that blends style, comfort, and convenience. Featuring tasteful updates throughout, this home offers everything you need for modern living. Enjoy year-round relaxation in the enclosed sun-room—perfect for savoring your morning coffee or winding down in the evening. Step outside to two fantastic outdoor spaces: a covered side patio and a spacious open back patio, ideal for entertaining guests or enjoying peaceful moments outdoors. Recent upgrades include a newer roof, new air conditioning, and a home warranty for added peace of mind. A storage shed provides convenient extra space for tools, equipment, or seasonal items. Located in a vibrant, amenity-rich community, residents enjoy access to: A community center with on-site maintenance, Fitness center, Two playgrounds, A dog park, Monthly resident activities, A secured storage lot and more. Conveniently situated near Route 43, I-95, and I-695, offering easy access to shopping, dining, and major commuter routes. Please Note: Park approval is required for all buyers. Don’t miss this opportunity to live in a beautiful home within a thriving, well-maintained community.

  17. 2026-02-28
    price $36,000 1318-char remark
    Show marketing remark (1318 chars)

    This Clean and ready to go home has new carpet, fresh paint, and a Choice Home Warranty until February 2029. Welcome to this charming and move-in-ready 2-bedroom, 2-bath home that blends style, comfort, and convenience. Featuring tasteful updates throughout, this home offers everything you need for modern living. Enjoy year-round relaxation in the enclosed sun-room—perfect for savoring your morning coffee or winding down in the evening. Step outside to two fantastic outdoor spaces: a covered side patio and a spacious open back patio, ideal for entertaining guests or enjoying peaceful moments outdoors. Recent upgrades include a newer roof, new air conditioning, and a home warranty for added peace of mind. A storage shed provides convenient extra space for tools, equipment, or seasonal items. Located in a vibrant, amenity-rich community, residents enjoy access to: A community center with on-site maintenance, Fitness center, Two playgrounds, A dog park, Monthly resident activities, A secured storage lot and more. Conveniently situated near Route 43, I-95, and I-695, offering easy access to shopping, dining, and major commuter routes. Please Note: Park approval is required for all buyers. Don’t miss this opportunity to live in a beautiful home within a thriving, well-maintained community.

  18. 2025-12-05
    price $39,000 1318-char remark
    Show marketing remark (1318 chars)

    This Clean and ready to go home has new carpet, fresh paint, and a Choice Home Warranty until February 2029. Welcome to this charming and move-in-ready 2-bedroom, 2-bath home that blends style, comfort, and convenience. Featuring tasteful updates throughout, this home offers everything you need for modern living. Enjoy year-round relaxation in the enclosed sun-room—perfect for savoring your morning coffee or winding down in the evening. Step outside to two fantastic outdoor spaces: a covered side patio and a spacious open back patio, ideal for entertaining guests or enjoying peaceful moments outdoors. Recent upgrades include a newer roof, new air conditioning, and a home warranty for added peace of mind. A storage shed provides convenient extra space for tools, equipment, or seasonal items. Located in a vibrant, amenity-rich community, residents enjoy access to: A community center with on-site maintenance, Fitness center, Two playgrounds, A dog park, Monthly resident activities, A secured storage lot and more. Conveniently situated near Route 43, I-95, and I-695, offering easy access to shopping, dining, and major commuter routes. Please Note: Park approval is required for all buyers. Don’t miss this opportunity to live in a beautiful home within a thriving, well-maintained community.

  19. 2025-10-02
    price $44,900 1318-char remark
    Show marketing remark (1318 chars)

    This Clean and ready to go home has new carpet, fresh paint, and a Choice Home Warranty until February 2029. Welcome to this charming and move-in-ready 2-bedroom, 2-bath home that blends style, comfort, and convenience. Featuring tasteful updates throughout, this home offers everything you need for modern living. Enjoy year-round relaxation in the enclosed sun-room—perfect for savoring your morning coffee or winding down in the evening. Step outside to two fantastic outdoor spaces: a covered side patio and a spacious open back patio, ideal for entertaining guests or enjoying peaceful moments outdoors. Recent upgrades include a newer roof, new air conditioning, and a home warranty for added peace of mind. A storage shed provides convenient extra space for tools, equipment, or seasonal items. Located in a vibrant, amenity-rich community, residents enjoy access to: A community center with on-site maintenance, Fitness center, Two playgrounds, A dog park, Monthly resident activities, A secured storage lot and more. Conveniently situated near Route 43, I-95, and I-695, offering easy access to shopping, dining, and major commuter routes. Please Note: Park approval is required for all buyers. Don’t miss this opportunity to live in a beautiful home within a thriving, well-maintained community.

  20. 2025-08-27
    price $49,000 1318-char remark
    Show marketing remark (1318 chars)

    This Clean and ready to go home has new carpet, fresh paint, and a Choice Home Warranty until February 2029. Welcome to this charming and move-in-ready 2-bedroom, 2-bath home that blends style, comfort, and convenience. Featuring tasteful updates throughout, this home offers everything you need for modern living. Enjoy year-round relaxation in the enclosed sun-room—perfect for savoring your morning coffee or winding down in the evening. Step outside to two fantastic outdoor spaces: a covered side patio and a spacious open back patio, ideal for entertaining guests or enjoying peaceful moments outdoors. Recent upgrades include a newer roof, new air conditioning, and a home warranty for added peace of mind. A storage shed provides convenient extra space for tools, equipment, or seasonal items. Located in a vibrant, amenity-rich community, residents enjoy access to: A community center with on-site maintenance, Fitness center, Two playgrounds, A dog park, Monthly resident activities, A secured storage lot and more. Conveniently situated near Route 43, I-95, and I-695, offering easy access to shopping, dining, and major commuter routes. Please Note: Park approval is required for all buyers. Don’t miss this opportunity to live in a beautiful home within a thriving, well-maintained community.

  21. 2025-08-12
    listed $54,000 Active 1318-char remark
    Show marketing remark (1318 chars)

    This Clean and ready to go home has new carpet, fresh paint, and a Choice Home Warranty until February 2029. Welcome to this charming and move-in-ready 2-bedroom, 2-bath home that blends style, comfort, and convenience. Featuring tasteful updates throughout, this home offers everything you need for modern living. Enjoy year-round relaxation in the enclosed sun-room—perfect for savoring your morning coffee or winding down in the evening. Step outside to two fantastic outdoor spaces: a covered side patio and a spacious open back patio, ideal for entertaining guests or enjoying peaceful moments outdoors. Recent upgrades include a newer roof, new air conditioning, and a home warranty for added peace of mind. A storage shed provides convenient extra space for tools, equipment, or seasonal items. Located in a vibrant, amenity-rich community, residents enjoy access to: A community center with on-site maintenance, Fitness center, Two playgrounds, A dog park, Monthly resident activities, A secured storage lot and more. Conveniently situated near Route 43, I-95, and I-695, offering easy access to shopping, dining, and major commuter routes. Please Note: Park approval is required for all buyers. Don’t miss this opportunity to live in a beautiful home within a thriving, well-maintained community.

  22. 2018-07-26
    soldstatus $17,500 Closed 332-char remark
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  23. 2018-07-26
    soldstatus $17,500 Sold
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  24. 2018-07-12
    historical Active Under Contract 332-char remark
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  25. 2018-07-12
    status Contingent (No Kick Out)
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  26. 2018-07-03
    price $18,000 332-char remark
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  27. 2018-07-03
    price $18,000
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  28. 2018-06-20
    price $27,500 332-char remark
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  29. 2018-06-20
    price $27,500
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  30. 2018-06-06
    price $32,500 332-char remark
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  31. 2018-06-06
    price $32,500
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  32. 2018-05-14
    listed $38,000 Active 332-char remark
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

  33. 2018-05-14
    listed $38,000 Active
    Show marketing remark (332 chars)

    Beautiful remodel. Features include: two bedrooms, two full baths, updated flooring, kitchen, and baths. Enclosed sunroom. Storage shed with electric. Newer furnace and water heater. Community center, fitness room, two playgrounds and dog park. Great community with easy access to 95 and 695. Park approval is needed for the buyer.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$24,673
− Mortgage interest
−$2,017
− Property taxes
−$540
− Insurance
−$180
− Repairs & maintenance
−$1,974
− Management
−$1,974
− HOA
−$13,596
− Depreciation
−$1,047
Taxable income
$3,345
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$803
After-tax cash flow
$2,107/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Baltimore County Public Schools
NCES district ID
2400120
Math proficiency
15% ▼ -16.00%
Reading proficiency
34% ▼ -5.00%
Median HH income
$66,746
Composite
23.17/100
National rank
#7948
State rank
#11 of 24 in MD

Livability — Middle River

Score
78/100
State rank
#76
US rank
#2777

Category grades

Amenities C Commute A+ Cost of living B Crime F Employment B+ Housing A+ Health & safety A+ User ratings C

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Middle River, MD
County
Baltimore County · 769,527 people
City population
42,824
Metro
Baltimore-Columbia-Towson, MD
Population (ZIP)
42,824
Household income
$81,817
Rent vs Own
31.2% rent · 68.8% own
Severe rent burden
1921.0

Population outlook (Baltimore County) Hauer SSP2

Today (2025)
885,518 people
By 2030
909,272 · +2.7%
By 2040
951,547 · +7.5%
By 2050
990,955 · +11.9%
By 2075
1,086,411 · +22.7%
By 2100
1,135,078 · +28.2%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.60)
Race & ethnicity
White 57% Black 27% Two or more races 6% Hispanic / Latino 6% Asian 5%
Hispanic origin (detail)
Puerto Rican 1%
Common ancestry
Romanian 4% Ukrainian 2% Lithuanian 1%
Foreign-born
12% · Canada, Vietnam
Languages at home
86% English-only · Spanish 3% Arabic 3% Tagalog/Filipino 2%

Political lean MEDSL · Baltimore

2024 margin
Strong D (+24.5) · D 61.0% · R 36.5% · Other 2.5%
2008→2024 swing
+9.9pp toward D · 2008: 14.6pp · 2024: 24.5pp
All cycles
2024: D+24.5 2020: D+27.0 2016: D+17.4 2012: D+16.4 2008: D+14.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -199.31%
Current HPI
254.5597
Rent YoY
▲ 0.83%
Metro
Baltimore-Columbia-Towson, MD
State GDP YoY
▲ 2.97%
F500 in state
12

Industry mix (Fortune 500 HQ in MD)

Industry F500 HQs Revenue

Price history

-5.3% since first listed
20 events — show timeline
  • 2026-04-15 Relisted BRIGHT MLS
  • 2026-04-07 Pending BRIGHT MLS
  • 2026-04-06 Listing Removed BRIGHT MLS
  • 2026-02-28 Price Changed $36,000 BRIGHT MLS
  • 2025-12-05 Price Changed $39,000 BRIGHT MLS
  • 2025-10-02 Price Changed $44,900 BRIGHT MLS
  • 2025-08-27 Price Changed $49,000 BRIGHT MLS
  • 2025-08-12 Listed $54,000 BRIGHT MLS
  • 2018-07-26 Sold (MLS) $17,500 MRIS
  • 2018-07-26 Sold (MLS) $17,500 BRIGHT MLS
  • 2018-07-12 Contingent BRIGHT MLS
  • 2018-07-12 Pending MRIS
  • 2018-07-03 Price Changed $18,000 BRIGHT MLS
  • 2018-07-03 Price Changed $18,000 MRIS
  • 2018-06-20 Price Changed $27,500 BRIGHT MLS
  • 2018-06-20 Price Changed $27,500 MRIS
  • 2018-06-06 Price Changed $32,500 BRIGHT MLS
  • 2018-06-06 Price Changed $32,500 MRIS
  • 2018-05-14 Listed $38,000 MRIS
  • 2018-05-14 Listed $38,000 BRIGHT MLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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