14 W James StLancasterPA17603
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $334,900, 14 W James St, Lancaster, PA, 17603 in Lancaster generates $2,318/mo in rent (8.31% yield) but nets only $123/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.54) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $92,527. Total projected return: $135,472.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.5% |
| Monthly Cash Flow | $123 | $450 |
City averages based on Lancaster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,318 |
| Total Monthly Debt Service | $2,061 |
| DSCR Ratio | 1.12x |
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.
Multi Family
Built in 1910
1,307 sqft lot
$N/A/sqft
No HOA
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 1910
1,307 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mike Julian • Realty ONE Group Unlimited
Mls Name: Bright MLS
Mls ID: #PALA2079856