224226-224 226 State StSunburyPA17801
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 224226-224 226 State St, Sunbury, PA, 17801 in Sunbury is capital appreciation. Rental yield 5.72%. The 5.72% gross yield at $214,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $59,124 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.01) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $52,939.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.2% |
| Monthly Cash Flow | $(382) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $1,369 |
| DSCR Ratio | 0.74x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 1900
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17801, Sunbury, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,536 (100%) |
| Owner Occupied HU | 4,296 (57.0%) |
| Renter Occupied HU | 2,491 (33.1%) |
| Vacant Housing Units | 749 ( 9.9%) |
| Median Home Value | $201,015 |
| Average Home Value | $245,012 |
Housing Distribution
Address Breakdown
Residential
7,154
Single Family
6,642
Multi-Family
512
Businesses
522
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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
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Listed by: BRITTANY HUNT-STRAHAN • EXP Realty, LLC
Mls Name: eXp Realty
Mls ID: #C-162
