525 S Spring Garden StCarlislePA17013
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 525 S Spring Garden St, Carlisle, PA, 17013 in Carlisle: $4,094/mo in rent, $2,161/mo net, 16.66% gross yield, all on a $295,000 acquisition. The 3.09 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 $81,503 in value, and $2,717/yr in principal paydown steadily builds equity. Projected total cumulative return: $251,358.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16.7% | 6.2% |
| Monthly Cash Flow | $2,161 | $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 | $4,094 |
| Total Monthly Debt Service | $1,816 |
| DSCR Ratio | 2.25x |
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 1958
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17013, Carlisle, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,401 (100%) |
| Owner Occupied HU | 9,060 (55.2%) |
| Renter Occupied HU | 6,362 (38.8%) |
| Vacant Housing Units | 979 ( 6.0%) |
| Median Home Value | $293,264 |
| Average Home Value | $346,650 |
Housing Distribution
Address Breakdown
Residential
15,268
Single Family
13,647
Multi-Family
1,621
Businesses
1,250
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 1958
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17013, Carlisle, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,401 (100%) |
| Owner Occupied HU | 9,060 (55.2%) |
| Renter Occupied HU | 6,362 (38.8%) |
| Vacant Housing Units | 979 ( 6.0%) |
| Median Home Value | $293,264 |
| Average Home Value | $346,650 |
Housing Distribution
Address Breakdown
Residential
15,268
Single Family
13,647
Multi-Family
1,621
Businesses
1,250
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices