808 E Philadelphia StYorkPA17403
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 808 E Philadelphia St, York, PA, 17403 in York is narrow, $152/mo net on $1,069/mo rent after the $630/mo debt service, but the property operates at break-even-plus, not a loss. At $139,995 with a 9.16% yield, the long-run equity case via 5% appreciation ($38,678 over five years) and $1,289/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.70 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $63,035.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.8% |
| Monthly Cash Flow | $152 | $850 |
City averages based on York market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,069 |
| Total Monthly Debt Service | $862 |
| DSCR Ratio | 1.24x |
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.
Townhouse
Built in 1900
1,599 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17403, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,727 (100%) |
| Owner Occupied HU | 9,572 (57.2%) |
| Renter Occupied HU | 5,953 (35.6%) |
| Vacant Housing Units | 1,202 ( 7.2%) |
| Median Home Value | $273,146 |
| Average Home Value | $309,034 |
Housing Distribution
Address Breakdown
Residential
15,882
Single Family
14,550
Multi-Family
1,332
Businesses
1,069
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
Townhouse
Built in 1900
1,599 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17403, York, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,727 (100%) |
| Owner Occupied HU | 9,572 (57.2%) |
| Renter Occupied HU | 5,953 (35.6%) |
| Vacant Housing Units | 1,202 ( 7.2%) |
| Median Home Value | $273,146 |
| Average Home Value | $309,034 |
Housing Distribution
Address Breakdown
Residential
15,882
Single Family
14,550
Multi-Family
1,332
Businesses
1,069
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nathan Krotzer • RE/MAX Pinnacle
Mls Name: Bright MLS
Mls ID: #PAYK2092488