100 Reading LnMontoursvillePA17754
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 100 Reading Ln, Montoursville, PA, 17754 in Montoursville. Rental yield 5.96%. At $259,000 with 5.96% gross yield, current distributions are modest, but the 5% appreciation rate projects $71,557 in new equity by year five, complemented by $2,385/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.10) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $72,173.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.2% |
| Monthly Cash Flow | $(411) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,286 |
| Total Monthly Debt Service | $1,594 |
| DSCR Ratio | 0.81x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1938
0.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17754, Montoursville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,551 (100%) |
| Owner Occupied HU | 4,145 (74.7%) |
| Renter Occupied HU | 1,050 (18.9%) |
| Vacant Housing Units | 356 ( 6.4%) |
| Median Home Value | $282,525 |
| Average Home Value | $315,368 |
Housing Distribution
Address Breakdown
Residential
5,456
Single Family
5,128
Multi-Family
328
Businesses
475
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 1938
0.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17754, Montoursville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,551 (100%) |
| Owner Occupied HU | 4,145 (74.7%) |
| Renter Occupied HU | 1,050 (18.9%) |
| Vacant Housing Units | 356 ( 6.4%) |
| Median Home Value | $282,525 |
| Average Home Value | $315,368 |
Housing Distribution
Address Breakdown
Residential
5,456
Single Family
5,128
Multi-Family
328
Businesses
475
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: West Branch Valley AOR
Mls ID: #WB-103805