3 Banbury RdHummelstownPA17036
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 3 Banbury Rd, Hummelstown, PA, 17036 in Hummelstown at $725,000. Rental yield 6.33%. The 6.33% yield and 1.17 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $200,304 by year five, and $6,677/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $216,363.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.2% |
| Monthly Cash Flow | $(928) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,823 |
| Total Monthly Debt Service | $4,462 |
| DSCR Ratio | 0.86x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1975
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17036, Hummelstown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,556 (100%) |
| Owner Occupied HU | 7,321 (69.4%) |
| Renter Occupied HU | 2,793 (26.5%) |
| Vacant Housing Units | 442 ( 4.2%) |
| Median Home Value | $407,606 |
| Average Home Value | $448,636 |
Housing Distribution
Address Breakdown
Residential
10,246
Single Family
9,847
Multi-Family
399
Businesses
476
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 1975
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17036, Hummelstown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,556 (100%) |
| Owner Occupied HU | 7,321 (69.4%) |
| Renter Occupied HU | 2,793 (26.5%) |
| Vacant Housing Units | 442 ( 4.2%) |
| Median Home Value | $407,606 |
| Average Home Value | $448,636 |
Housing Distribution
Address Breakdown
Residential
10,246
Single Family
9,847
Multi-Family
399
Businesses
476
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JOY BURT • Howard Hanna Krall Real Estate
Mls Name: Bright MLS
Mls ID: #PADA2051670