1345 W College AveYorkPA17404
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1345 W College Ave, York, PA, 17404 in York at $219,900 earns $1,633/mo in rent and nets $192/mo after the $989/mo payment, a 8.91% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $60,754 over five years. Ziffy Mortgage underwrites this on a 1.65 DSCR without U.S. credit history. With $2,025/yr in principal paydown, total projected return reaches $96,113.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.8% |
| Monthly Cash Flow | $192 | $850 |
City averages based on York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,633 |
| Total Monthly Debt Service | $1,353 |
| DSCR Ratio | 1.21x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1940
9,601 sqft 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 1940
9,601 sqft 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: Larry Kirkessner • Keller Williams Keystone Realty
Mls Name: Bright MLS
Mls ID: #PAYK2087832