162 Ridge Hill RdMechanicsburgPA17050
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder162 Ridge Hill Rd, Mechanicsburg, PA, 17050 in Mechanicsburg earns a respectable 7.94% gross yield at $399,900, but after the $1,798/mo mortgage the net cash flow is $27/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.47) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $110,485 over five years, making equity the dominant return driver. Total projected return: $153,997.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 5.8% |
| Monthly Cash Flow | $27 | $450 |
City averages based on Mechanicsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,647 |
| Total Monthly Debt Service | $2,461 |
| DSCR Ratio | 1.08x |
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 1960
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17050, Mechanicsburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,075 (100%) |
| Owner Occupied HU | 13,821 (76.5%) |
| Renter Occupied HU | 3,700 (20.5%) |
| Vacant Housing Units | 554 ( 3.1%) |
| Median Home Value | $414,162 |
| Average Home Value | $456,964 |
Housing Distribution
Address Breakdown
Residential
18,110
Single Family
17,648
Multi-Family
462
Businesses
1,049
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 1960
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17050, Mechanicsburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,075 (100%) |
| Owner Occupied HU | 13,821 (76.5%) |
| Renter Occupied HU | 3,700 (20.5%) |
| Vacant Housing Units | 554 ( 3.1%) |
| Median Home Value | $414,162 |
| Average Home Value | $456,964 |
Housing Distribution
Address Breakdown
Residential
18,110
Single Family
17,648
Multi-Family
462
Businesses
1,049
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices