1095 Mill Creek RdYorkPA17404
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 1095 Mill Creek Rd, York, PA, 17404 in York offers a clean, manageable entry. Rental yield 6.71%. DSCR 1.24 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $151,955 in additional property value over five years, with $5,066/yr in principal equity building ownership stake. Total projected cumulative return: $175,254.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.8% |
| Monthly Cash Flow | $(531) | $850 |
City averages based on York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,073 |
| Total Monthly Debt Service | $3,385 |
| DSCR Ratio | 0.91x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2003
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17404, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,514 (100%) |
| Owner Occupied HU | 10,287 (66.3%) |
| Renter Occupied HU | 4,454 (28.7%) |
| Vacant Housing Units | 773 ( 5.0%) |
| Median Home Value | $252,403 |
| Average Home Value | $284,081 |
Housing Distribution
Address Breakdown
Residential
15,266
Single Family
14,677
Multi-Family
589
Businesses
963
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2003
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17404, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,514 (100%) |
| Owner Occupied HU | 10,287 (66.3%) |
| Renter Occupied HU | 4,454 (28.7%) |
| Vacant Housing Units | 773 ( 5.0%) |
| Median Home Value | $252,403 |
| Average Home Value | $284,081 |
Housing Distribution
Address Breakdown
Residential
15,266
Single Family
14,677
Multi-Family
589
Businesses
963
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Simon Overmiller • Iron Valley Real Estate of York County
Mls Name: Bright MLS
Mls ID: #PAYK2087242