409 W Lemon StLancasterPA17603
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 409 W Lemon St, Lancaster, PA, 17603 in Lancaster at $455,000. Rental yield 6.61%. The 6.61% yield and 1.16 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $125,708 by year five, and $3,814/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $133,975.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.5% |
| Monthly Cash Flow | $(477) | $450 |
City averages based on Lancaster market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,504 |
| Total Monthly Debt Service | $2,911 |
| DSCR Ratio | 0.86x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 1900
2,178 sqft lot
$N/A/sqft
No HOA
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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
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Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PALA2086542
