101 S 2nd StSaint ClairPA17970
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 101 S 2nd St, Saint Clair, PA, 17970 in Saint Clair worth study. Rental yield 3.68%. The 3.68% gross yield is below cash-flow benchmarks at $449,500, but 5% annual appreciation, adding $124,189 over five years, frames this as a capital growth position. Rent of $1,380/mo partially offsets the $2,021/mo payment. Ziffy Mortgage finances appreciation-play properties (0.68 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $70,444.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.2% |
| Monthly Cash Flow | $(1,565) | $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 | $1,380 |
| Total Monthly Debt Service | $2,767 |
| DSCR Ratio | 0.50x |
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.
Multi Family
Built in 1923
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17970, Saint Clair, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,723 (100%) |
| Owner Occupied HU | 1,024 (59.4%) |
| Renter Occupied HU | 393 (22.8%) |
| Vacant Housing Units | 306 (17.8%) |
| Median Home Value | $86,111 |
| Average Home Value | $131,870 |
Housing Distribution
Address Breakdown
Residential
1,500
Single Family
1,478
Multi-Family
22
Businesses
125
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
Multi Family
Built in 1923
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17970, Saint Clair, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,723 (100%) |
| Owner Occupied HU | 1,024 (59.4%) |
| Renter Occupied HU | 393 (22.8%) |
| Vacant Housing Units | 306 (17.8%) |
| Median Home Value | $86,111 |
| Average Home Value | $131,870 |
Housing Distribution
Address Breakdown
Residential
1,500
Single Family
1,478
Multi-Family
22
Businesses
125
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nada Laguna • EveryHome Realtors
Mls Name: Bright MLS
Mls ID: #PASK2023778