22 N 20th StHarrisburgPA17103
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 22 N 20th St, Harrisburg, PA, 17103 in Harrisburg hard to pass up. The 30.66% gross yield on a $109,000 purchase results in $2,785/mo in rent and $2,019/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (5.68). Annual cash flow of $24,225, five-year appreciation of $30,115, and $1,004/yr in equity build-up combine for a projected total cumulative return of $171,681.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 30.7% | 7.2% |
| Monthly Cash Flow | $2,019 | $450 |
City averages based on Harrisburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,785 |
| Total Monthly Debt Service | $723 |
| DSCR Ratio | 3.85x |
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 1903
871 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17103, Harrisburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,577 (100%) |
| Owner Occupied HU | 1,825 (32.7%) |
| Renter Occupied HU | 2,885 (51.7%) |
| Vacant Housing Units | 867 (15.5%) |
| Median Home Value | $119,375 |
| Average Home Value | $190,153 |
Housing Distribution
Address Breakdown
Residential
4,903
Single Family
4,506
Multi-Family
397
Businesses
305
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 1903
871 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17103, Harrisburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,577 (100%) |
| Owner Occupied HU | 1,825 (32.7%) |
| Renter Occupied HU | 2,885 (51.7%) |
| Vacant Housing Units | 867 (15.5%) |
| Median Home Value | $119,375 |
| Average Home Value | $190,153 |
Housing Distribution
Address Breakdown
Residential
4,903
Single Family
4,506
Multi-Family
397
Businesses
305
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices