1851 Hartly RdHartlyDE19953
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 1851 Hartly Rd, Hartly, DE, 19953 in Hartly worth modelling. At $425,000 with a 7.26% gross yield, the $2,570/mo rent leaves $111/mo after the $1,911/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.34 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $117,420 by year five; $3,914/yr in principal reduction adds further equity. Total projected return: $167,591.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $111 | $250 |
City averages based on Hartly market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,570 |
| Total Monthly Debt Service | $2,290 |
| 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.
Single Family
Built in 1990
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19953, Hartly, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,902 (100%) |
| Owner Occupied HU | 1,600 (84.1%) |
| Renter Occupied HU | 201 (10.6%) |
| Vacant Housing Units | 101 ( 5.3%) |
| Median Home Value | $335,957 |
| Average Home Value | $344,216 |
Housing Distribution
Address Breakdown
Residential
1,751
Single Family
1,751
Multi-Family
0
Businesses
46
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 1990
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19953, Hartly, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,902 (100%) |
| Owner Occupied HU | 1,600 (84.1%) |
| Renter Occupied HU | 201 (10.6%) |
| Vacant Housing Units | 101 ( 5.3%) |
| Median Home Value | $335,957 |
| Average Home Value | $344,216 |
Housing Distribution
Address Breakdown
Residential
1,751
Single Family
1,751
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices