322 N 7th StLebanonPA17046
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 322 N 7th St, Lebanon, PA, 17046 in Lebanon is narrow, $192/mo net on $2,027/mo rent after the $1,259/mo debt service, but the property operates at break-even-plus, not a loss. At $280,000 with a 8.69% yield, the long-run equity case via 5% appreciation ($77,359 over five years) and $2,579/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.61 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $118,993.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $192 | $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 | $2,027 |
| Total Monthly Debt Service | $1,723 |
| 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 1940
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17046, Lebanon, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,628 (100%) |
| Owner Occupied HU | 7,867 (57.7%) |
| Renter Occupied HU | 4,997 (36.7%) |
| Vacant Housing Units | 764 ( 5.6%) |
| Median Home Value | $217,012 |
| Average Home Value | $252,662 |
Housing Distribution
Address Breakdown
Residential
12,649
Single Family
11,682
Multi-Family
967
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 1940
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17046, Lebanon, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,628 (100%) |
| Owner Occupied HU | 7,867 (57.7%) |
| Renter Occupied HU | 4,997 (36.7%) |
| Vacant Housing Units | 764 ( 5.6%) |
| Median Home Value | $217,012 |
| Average Home Value | $252,662 |
Housing Distribution
Address Breakdown
Residential
12,649
Single Family
11,682
Multi-Family
967
Businesses
476
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joshua Johnson • Iron Valley Real Estate
Mls Name: Bright MLS
Mls ID: #PALN2023410