630 Patapsco, Baltimore, MD 21225

🏠 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 ≈ $785 / mo Taxes ( $1,100 / yr): $92 / mo Insurance ( $800 / yr): $67 / mo Total PITI ≈ $944 / mo vs. $1,300 rent → $356 / mo savings Year 1 Equity Build: Principal Pay-down: ≈ $1,300 3% Market Appreciation: ≈ $3,930 Total Wealth Gain: ∼ $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 ≈ 11.9% Pro Forma with $1,500 / mo … read more …