222 S 20th StHarrisburgPA17104
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 222 S 20th St, Harrisburg, PA, 17104 in Harrisburg at $149,900 earns $1,162/mo in rent and nets $180/mo after the $674/mo payment, a 9.3% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,415 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $1,381/yr in principal paydown, total projected return reaches $68,675.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.2% |
| Monthly Cash Flow | $180 | $450 |
City averages based on Harrisburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,162 |
| Total Monthly Debt Service | $923 |
| DSCR Ratio | 1.26x |
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 1920
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17104, Harrisburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,228 (100%) |
| Owner Occupied HU | 3,026 (32.8%) |
| Renter Occupied HU | 5,185 (56.2%) |
| Vacant Housing Units | 1,017 (11.0%) |
| Median Home Value | $108,787 |
| Average Home Value | $188,058 |
Housing Distribution
Address Breakdown
Residential
7,683
Single Family
6,877
Multi-Family
806
Businesses
472
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 1920
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17104, Harrisburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,228 (100%) |
| Owner Occupied HU | 3,026 (32.8%) |
| Renter Occupied HU | 5,185 (56.2%) |
| Vacant Housing Units | 1,017 (11.0%) |
| Median Home Value | $108,787 |
| Average Home Value | $188,058 |
Housing Distribution
Address Breakdown
Residential
7,683
Single Family
6,877
Multi-Family
806
Businesses
472
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John MacDonald • Core Partners Realty LLC
Mls Name: Bright MLS
Mls ID: #PADA2049046