512 Summit HouseWest ChesterPA19382
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 512 Summit House, West Chester, PA, 19382 in West Chester achieves 1.74, rent of $1,992/mo covers the $1,147/mo payment 1.5x over at $242,000. Rental yield 9.88%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $66,860 over five years, with $2,029/yr in principal reduction bringing total projected return to $83,832.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $(93) | $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 | $1,992 |
| Total Monthly Debt Service | $2,048 |
| DSCR Ratio | 0.97x |
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 1974
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19382, West Chester, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,333 (100%) |
| Owner Occupied HU | 14,819 (66.4%) |
| Renter Occupied HU | 6,183 (27.7%) |
| Vacant Housing Units | 1,331 ( 6.0%) |
| Median Home Value | $624,288 |
| Average Home Value | $651,405 |
Housing Distribution
Address Breakdown
Residential
21,039
Single Family
19,505
Multi-Family
1,534
Businesses
1,319
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andy Chapis • EXP Realty, LLC
Mls Name: Bright MLS
Mls Provider:
Mls ID: #PACT2138324
