For 425 Arch St, a 4-bed, 4-bath quadruplex in Cumberland, MD, the projected rent potential ranges from $3K to $3.8K monthly, based on market comps and top-tier multi-family rental performance in the area. At the current list price of ~$105K, the estimated payback period sits between 2.3 and 3 years, which is exceptionally strong for this market. Cumberland’s rental market is stable, with home values trending upward and demand for affordable multi-unit housing remaining steady. This property’s brick exterior, separate utilities, garage access, and off-street parking all boost its rental appeal and operational efficiency. The primary challenge is turnkey condition—while some demo and cleaning have been started, further upgrades are needed to reach top rental tiers.

To maximize rental income, invest in finishing renovations, modernizing kitchens and baths, and ensuring all units are individually metered with solid curb appeal. Consider adding amenities like in-unit laundry or upgraded heating/cooling if possible, as these attract higher-paying tenants. If selling, highlight the quad layout, low-maintenance exterior, and proven rent potential as top investor draws—these are rare finds in Cumberland’s affordable housing scene.