727 State StHamburgPA19526
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 727 State St, Hamburg, PA, 19526 in Hamburg deserves attention. This $110,000 property earns $2,989/mo in rent, a 32.61% gross yield, and nets $2,109/mo after the $495/mo payment. DSCR 6.04 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $30,391 compounds alongside $1,013/yr in yearly equity build, for a total cumulative return of $178,249.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 32.6% | 6.2% |
| Monthly Cash Flow | $2,109 | $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 | $2,989 |
| Total Monthly Debt Service | $837 |
| DSCR Ratio | 3.57x |
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 1940
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19526, Hamburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,956 (100%) |
| Owner Occupied HU | 3,520 (71.0%) |
| Renter Occupied HU | 1,220 (24.6%) |
| Vacant Housing Units | 216 ( 4.4%) |
| Median Home Value | $320,000 |
| Average Home Value | $346,886 |
Housing Distribution
Address Breakdown
Residential
4,857
Single Family
4,578
Multi-Family
279
Businesses
404
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 1940
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19526, Hamburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,956 (100%) |
| Owner Occupied HU | 3,520 (71.0%) |
| Renter Occupied HU | 1,220 (24.6%) |
| Vacant Housing Units | 216 ( 4.4%) |
| Median Home Value | $320,000 |
| Average Home Value | $346,886 |
Housing Distribution
Address Breakdown
Residential
4,857
Single Family
4,578
Multi-Family
279
Businesses
404
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices