305 S 4th StHamburgPA19526
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $213,000, 305 S 4th St, Hamburg, PA, 19526 in Hamburg generates $1,475/mo in rent (8.31% yield) but nets only $79/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.54) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $58,848. Total projected return: $86,204.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $79 | $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 | $1,475 |
| Total Monthly Debt Service | $1,311 |
| DSCR Ratio | 1.13x |
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 1918
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19526, Hamburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,956 (100%) |
| Owner Occupied HU | 3,520 (71.0%) |
| Renter Occupied HU | 1,220 (24.6%) |
| Vacant Housing Units | 216 ( 4.4%) |
| Median Home Value | $320,000 |
| Average Home Value | $346,886 |
Housing Distribution
Address Breakdown
Residential
4,857
Single Family
4,578
Multi-Family
279
Businesses
404
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 1918
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19526, Hamburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,956 (100%) |
| Owner Occupied HU | 3,520 (71.0%) |
| Renter Occupied HU | 1,220 (24.6%) |
| Vacant Housing Units | 216 ( 4.4%) |
| Median Home Value | $320,000 |
| Average Home Value | $346,886 |
Housing Distribution
Address Breakdown
Residential
4,857
Single Family
4,578
Multi-Family
279
Businesses
404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kim Bonenfant • United Real Estate Strive 212
Mls Name: Bright MLS
Mls ID: #PABK2067146