138 S 3rd StColumbiaPA17512
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 138 S 3rd St, Columbia, PA, 17512 in Columbia at $995,000, 1.72% gross yield, is a market-growth asset. Rental yield 1.72%. The $1,424/mo rent partially funds the $4,474/mo debt service; the core return is the 5%/yr price growth projected to add $274,900 over five years. Ziffy Mortgage's DSCR mortgage (0.32) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $50,924.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 6.2% |
| Monthly Cash Flow | $(5,096) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,424 |
| Total Monthly Debt Service | $6,124 |
| DSCR Ratio | 0.23x |
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.
Multi Family
Built in 1900
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17512, Columbia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,931 (100%) |
| Owner Occupied HU | 4,842 (61.1%) |
| Renter Occupied HU | 2,661 (33.6%) |
| Vacant Housing Units | 428 ( 5.4%) |
| Median Home Value | $285,458 |
| Average Home Value | $381,127 |
Housing Distribution
Address Breakdown
Residential
7,441
Single Family
6,816
Multi-Family
625
Businesses
439
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
Multi Family
Built in 1900
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17512, Columbia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,931 (100%) |
| Owner Occupied HU | 4,842 (61.1%) |
| Renter Occupied HU | 2,661 (33.6%) |
| Vacant Housing Units | 428 ( 5.4%) |
| Median Home Value | $285,458 |
| Average Home Value | $381,127 |
Housing Distribution
Address Breakdown
Residential
7,441
Single Family
6,816
Multi-Family
625
Businesses
439
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeffrey Zimmerman • Prime Home Real Estate, LLC
Mls Name: Bright MLS
Mls ID: #PALA2076674