440 W White StSummit HillPA18250
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 440 W White St, Summit Hill, PA, 18250 in Summit Hill: $1,758/mo in rent, $658/mo net, 13.19% gross yield, all on a $159,900 acquisition. The 2.45 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $44,177 in value, and $1,473/yr in principal paydown steadily builds equity. Projected total cumulative return: $103,471.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.2% | 6.2% |
| Monthly Cash Flow | $658 | $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 | $1,758 |
| Total Monthly Debt Service | $1,037 |
| DSCR Ratio | 1.70x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1949
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18250, Summit Hill, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,559 (100%) |
| Owner Occupied HU | 1,031 (66.1%) |
| Renter Occupied HU | 340 (21.8%) |
| Vacant Housing Units | 188 (12.1%) |
| Median Home Value | $120,543 |
| Average Home Value | $169,440 |
Housing Distribution
Address Breakdown
Residential
1,335
Single Family
1,302
Multi-Family
33
Businesses
62
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 1949
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18250, Summit Hill, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,559 (100%) |
| Owner Occupied HU | 1,031 (66.1%) |
| Renter Occupied HU | 340 (21.8%) |
| Vacant Housing Units | 188 (12.1%) |
| Median Home Value | $120,543 |
| Average Home Value | $169,440 |
Housing Distribution
Address Breakdown
Residential
1,335
Single Family
1,302
Multi-Family
33
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices