154 Rylie Dr Suite 201HarmonyPA16037
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 154 Rylie Dr Suite 201, Harmony, PA, 16037 in Harmony the bet is firmly on appreciation. Rental yield 4.23%. The 4.23% gross yield on a $315,000 price is below income-first thresholds, but 5%/yr value growth projects $87,029 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.78) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $58,594.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.2% |
| Monthly Cash Flow | $(1,069) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,110 |
| Total Monthly Debt Service | $1,939 |
| DSCR Ratio | 0.57x |
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.
Townhouse
Built in 2012
2,787 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16037, Harmony, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,201 (100%) |
| Owner Occupied HU | 1,761 (80.0%) |
| Renter Occupied HU | 258 (11.7%) |
| Vacant Housing Units | 182 ( 8.3%) |
| Median Home Value | $410,036 |
| Average Home Value | $521,107 |
Housing Distribution
Address Breakdown
Residential
2,351
Single Family
2,351
Multi-Family
0
Businesses
178
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
Townhouse
Built in 2012
2,787 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16037, Harmony, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,201 (100%) |
| Owner Occupied HU | 1,761 (80.0%) |
| Renter Occupied HU | 258 (11.7%) |
| Vacant Housing Units | 182 ( 8.3%) |
| Median Home Value | $410,036 |
| Average Home Value | $521,107 |
Housing Distribution
Address Breakdown
Residential
2,351
Single Family
2,351
Multi-Family
0
Businesses
178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: WPMLS
Mls ID: #1759088