42 Pine RdHamburgPA19526
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play42 Pine Rd, Hamburg, PA, 19526 in Hamburg is priced for appreciation, not yield. Rental yield 4.26%. At $369,900 with a 4.26% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $102,197 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.75) 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: $62,465.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.2% |
| Monthly Cash Flow | $(1,110) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,314 |
| Total Monthly Debt Service | $2,367 |
| DSCR Ratio | 0.56x |
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.
Single Family
Built in 1986
2.09 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
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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: Shon Elk • Coldwell Banker Realty
Mls Name: Bright MLS
Mls Provider:
Mls ID: #PABK2080204
