324 Hummingbird Way #202Lake HarmonyPA18624
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play324 Hummingbird Way #202, Lake Harmony, PA, 18624 in Lake Harmony is priced for appreciation, not yield. Rental yield 5.98%. At $475,000 with a 5.98% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $131,234 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.11) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $103,862.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.2% |
| Monthly Cash Flow | $(1,229) | $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 | $2,365 |
| Total Monthly Debt Service | $3,405 |
| DSCR Ratio | 0.69x |
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.
Condo
Built in 2009
435.60 sqft lot
$N/A/sqft
$5,777 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18624, Lake Harmony, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,924 (100%) |
| Owner Occupied HU | 288 (15.0%) |
| Renter Occupied HU | 57 ( 3.0%) |
| Vacant Housing Units | 1,579 (82.1%) |
| Median Home Value | $434,167 |
| Average Home Value | $627,656 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
33
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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
Condo
Built in 2009
435.60 sqft lot
$N/A/sqft
$5,777 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18624, Lake Harmony, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,924 (100%) |
| Owner Occupied HU | 288 (15.0%) |
| Renter Occupied HU | 57 ( 3.0%) |
| Vacant Housing Units | 1,579 (82.1%) |
| Median Home Value | $434,167 |
| Average Home Value | $627,656 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices