30 E Cottage PlYorkPA17401
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.75% yield at 30 E Cottage Pl, York, PA, 17401 in York is solid, but the $877/mo payment compresses net cash flow to $144/mo at $194,990. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $53,872 by year five, and $1,796/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.62) without U.S. income documentation. Total projected return: $83,542.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.8% |
| Monthly Cash Flow | $144 | $850 |
City averages based on York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,422 |
| Total Monthly Debt Service | $1,200 |
| DSCR Ratio | 1.18x |
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 1916
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17401, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,510 (100%) |
| Owner Occupied HU | 1,858 (21.8%) |
| Renter Occupied HU | 5,457 (64.1%) |
| Vacant Housing Units | 1,195 (14.0%) |
| Median Home Value | $84,129 |
| Average Home Value | $178,841 |
Housing Distribution
Address Breakdown
Residential
6,899
Single Family
5,815
Multi-Family
1,084
Businesses
687
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 1916
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17401, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,510 (100%) |
| Owner Occupied HU | 1,858 (21.8%) |
| Renter Occupied HU | 5,457 (64.1%) |
| Vacant Housing Units | 1,195 (14.0%) |
| Median Home Value | $84,129 |
| Average Home Value | $178,841 |
Housing Distribution
Address Breakdown
Residential
6,899
Single Family
5,815
Multi-Family
1,084
Businesses
687
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Katie Klenk • Keller Williams Legacy
Mls Name: Bright MLS
Mls ID: #PAYK2090236