1190 Overbrook CirYorkPA17403
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1190 Overbrook Cir, York, PA, 17403 in York fits: $1,300,000, 1.48% gross yield, and a projected 5% annual appreciation rate adding $359,166 in value within five years. Rental yield 1.48%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.27) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $11,973/yr in principal paydown and $359,166 in appreciation project a total return of $49,906.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.5% | 6.8% |
| Monthly Cash Flow | $(6,917) | $850 |
City averages based on York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,602 |
| Total Monthly Debt Service | $8,001 |
| DSCR Ratio | 0.20x |
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 1999
1.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17403, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,727 (100%) |
| Owner Occupied HU | 9,572 (57.2%) |
| Renter Occupied HU | 5,953 (35.6%) |
| Vacant Housing Units | 1,202 ( 7.2%) |
| Median Home Value | $273,146 |
| Average Home Value | $309,034 |
Housing Distribution
Address Breakdown
Residential
15,882
Single Family
14,550
Multi-Family
1,332
Businesses
1,069
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 1999
1.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17403, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,727 (100%) |
| Owner Occupied HU | 9,572 (57.2%) |
| Renter Occupied HU | 5,953 (35.6%) |
| Vacant Housing Units | 1,202 ( 7.2%) |
| Median Home Value | $273,146 |
| Average Home Value | $309,034 |
Housing Distribution
Address Breakdown
Residential
15,882
Single Family
14,550
Multi-Family
1,332
Businesses
1,069
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anne M Lusk • Lusk & Associates Sotheby's International Realty
Mls Name: Bright MLS
Mls ID: #PAYK2085310