440 Un St #448ColumbiaPA17512
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 440 Un St #448, Columbia, PA, 17512 in Columbia the bet is firmly on appreciation. Rental yield 1.72%. The 1.72% gross yield on a $799,000 price is below income-first thresholds, but 5%/yr value growth projects $220,749 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.32) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $40,971.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 6.2% |
| Monthly Cash Flow | $(4,091) | $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 | $1,145 |
| Total Monthly Debt Service | $4,918 |
| DSCR Ratio | 0.23x |
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.
Multi Family
Built in 1890
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17512, Columbia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,931 (100%) |
| Owner Occupied HU | 4,842 (61.1%) |
| Renter Occupied HU | 2,661 (33.6%) |
| Vacant Housing Units | 428 ( 5.4%) |
| Median Home Value | $285,458 |
| Average Home Value | $381,127 |
Housing Distribution
Address Breakdown
Residential
7,441
Single Family
6,816
Multi-Family
625
Businesses
439
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
Multi Family
Built in 1890
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17512, Columbia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,931 (100%) |
| Owner Occupied HU | 4,842 (61.1%) |
| Renter Occupied HU | 2,661 (33.6%) |
| Vacant Housing Units | 428 ( 5.4%) |
| Median Home Value | $285,458 |
| Average Home Value | $381,127 |
Housing Distribution
Address Breakdown
Residential
7,441
Single Family
6,816
Multi-Family
625
Businesses
439
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices