634 Saint Joseph StLancasterPA17603
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 634 Saint Joseph St, Lancaster, PA, 17603 in Lancaster speaks for itself: 11.02% gross on a $254,900 price, generating $2,340/mo in rent and $670/mo in net income after the $1,146/mo debt service. DSCR 2.04, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,036 stacks alongside $70,424 in projected five-year appreciation and $2,348/yr in principal reduction. Projected total cumulative return: $140,199.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.5% |
| Monthly Cash Flow | $670 | $450 |
City averages based on Lancaster market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,340 |
| Total Monthly Debt Service | $1,569 |
| DSCR Ratio | 1.49x |
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 1870
3,920 sqft lot
$N/A/sqft
No HOA
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 1870
3,920 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PALA2083680