449 Gibbs Chapel RdHartlyDE19953
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 449 Gibbs Chapel Rd, Hartly, DE, 19953 in Hartly delivers $966/mo in gross rent and $242/mo in net monthly income at a $124,800 entry. The 9.29% yield and 1.72 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $34,480 over five years and $1,149/yr in equity from loan paydown, total projected return is $62,773.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $242 | $250 |
City averages based on Hartly market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $966 |
| Total Monthly Debt Service | $674 |
| DSCR Ratio | 1.43x |
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 1978
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19953, Hartly, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,902 (100%) |
| Owner Occupied HU | 1,600 (84.1%) |
| Renter Occupied HU | 201 (10.6%) |
| Vacant Housing Units | 101 ( 5.3%) |
| Median Home Value | $335,957 |
| Average Home Value | $344,216 |
Housing Distribution
Address Breakdown
Residential
1,751
Single Family
1,751
Multi-Family
0
Businesses
46
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 1978
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19953, Hartly, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,902 (100%) |
| Owner Occupied HU | 1,600 (84.1%) |
| Renter Occupied HU | 201 (10.6%) |
| Vacant Housing Units | 101 ( 5.3%) |
| Median Home Value | $335,957 |
| Average Home Value | $344,216 |
Housing Distribution
Address Breakdown
Residential
1,751
Single Family
1,751
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Leahy • RE/MAX Horizons
Mls Name: Bright MLS
Mls Provider:
Mls ID: #DEKT2031898
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