20 Laurel StHarrisburgPA17109
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 20 Laurel St, Harrisburg, PA, 17109 in Harrisburg. Priced at $178,000, it generates $2,636/mo in gross rent and $1,470/mo in net monthly cash flow, a 17.77% yield that comfortably supports the 3.29 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $17,640. Five-year appreciation: $49,178. Equity from principal paydown: $1,639/yr. Total projected cumulative return: $162,383.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.8% | 7.2% |
| Monthly Cash Flow | $1,470 | $450 |
City averages based on Harrisburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,636 |
| Total Monthly Debt Service | $1,096 |
| DSCR Ratio | 2.41x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17109, Harrisburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,172 (100%) |
| Owner Occupied HU | 5,464 (48.9%) |
| Renter Occupied HU | 4,971 (44.5%) |
| Vacant Housing Units | 737 ( 6.6%) |
| Median Home Value | $226,705 |
| Average Home Value | $296,110 |
Housing Distribution
Address Breakdown
Residential
10,606
Single Family
8,123
Multi-Family
2,483
Businesses
750
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17109, Harrisburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,172 (100%) |
| Owner Occupied HU | 5,464 (48.9%) |
| Renter Occupied HU | 4,971 (44.5%) |
| Vacant Housing Units | 737 ( 6.6%) |
| Median Home Value | $226,705 |
| Average Home Value | $296,110 |
Housing Distribution
Address Breakdown
Residential
10,606
Single Family
8,123
Multi-Family
2,483
Businesses
750
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Zillow Rentals
Mls ID: #N/A