637 W College AveYorkPA17401
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 637 W College Ave, York, PA, 17401 in York at $215,000 earns $1,588/mo in rent and nets $179/mo after the $967/mo payment, a 8.86% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $59,401 over five years. Ziffy Mortgage underwrites this on a 1.64 DSCR without U.S. credit history. With $1,980/yr in principal paydown, total projected return reaches $93,412.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.8% |
| Monthly Cash Flow | $179 | $850 |
City averages based on York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,588 |
| Total Monthly Debt Service | $1,323 |
| DSCR Ratio | 1.20x |
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 1900
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17401, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,510 (100%) |
| Owner Occupied HU | 1,858 (21.8%) |
| Renter Occupied HU | 5,457 (64.1%) |
| Vacant Housing Units | 1,195 (14.0%) |
| Median Home Value | $84,129 |
| Average Home Value | $178,841 |
Housing Distribution
Address Breakdown
Residential
6,899
Single Family
5,815
Multi-Family
1,084
Businesses
687
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 4 Bed
- - Bath
- 1836 sft
- 2 Bed
- 2 Bath
- 1120 sft
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 1900
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17401, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,510 (100%) |
| Owner Occupied HU | 1,858 (21.8%) |
| Renter Occupied HU | 5,457 (64.1%) |
| Vacant Housing Units | 1,195 (14.0%) |
| Median Home Value | $84,129 |
| Average Home Value | $178,841 |
Housing Distribution
Address Breakdown
Residential
6,899
Single Family
5,815
Multi-Family
1,084
Businesses
687
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 4 Bed
- - Bath
- 1836 sft
- 2 Bed
- 2 Bath
- 1120 sft
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A