746 Oatman StYorkPA17404
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 746 Oatman St, York, PA, 17404 in York deserves attention. This $190,000 property earns $1,921/mo in rent, a 12.13% gross yield, and nets $507/mo after the $854/mo payment. DSCR 2.25 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $52,494 compounds alongside $1,750/yr in yearly equity build, for a total cumulative return of $105,723.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.1% | 6.8% |
| Monthly Cash Flow | $507 | $850 |
City averages based on York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,921 |
| Total Monthly Debt Service | $1,339 |
| DSCR Ratio | 1.43x |
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 1950
5,824 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17404, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,514 (100%) |
| Owner Occupied HU | 10,287 (66.3%) |
| Renter Occupied HU | 4,454 (28.7%) |
| Vacant Housing Units | 773 ( 5.0%) |
| Median Home Value | $252,403 |
| Average Home Value | $284,081 |
Housing Distribution
Address Breakdown
Residential
15,266
Single Family
14,677
Multi-Family
589
Businesses
963
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 1950
5,824 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17404, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,514 (100%) |
| Owner Occupied HU | 10,287 (66.3%) |
| Renter Occupied HU | 4,454 (28.7%) |
| Vacant Housing Units | 773 ( 5.0%) |
| Median Home Value | $252,403 |
| Average Home Value | $284,081 |
Housing Distribution
Address Breakdown
Residential
15,266
Single Family
14,677
Multi-Family
589
Businesses
963
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices