3714 Berne RdHamburgPA19526
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3714 Berne Rd, Hamburg, PA, 19526 in Hamburg. Rental yield 3.74%. At $530,000 with 3.74% gross yield, current distributions are modest, but the 5% appreciation rate projects $146,429 in new equity by year five, complemented by $4,881/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.69) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $84,626.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.2% |
| Monthly Cash Flow | $(1,822) | $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 | $1,651 |
| Total Monthly Debt Service | $3,262 |
| DSCR Ratio | 0.51x |
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 N/A
2.28 Acres 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 N/A
2.28 Acres 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: Jen Blankenbiller • BHHS Homesale Realty- Reading Berks
Mls Name: Bright MLS
Mls ID: #PABK2067714