10491 River RdNew ColumbiaPA17856
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 10491 River Rd, New Columbia, PA, 17856 in New Columbia fits: $800,000, 4.97% gross yield, and a projected 5% annual appreciation rate adding $221,025 in value within five years. Rental yield 4.97%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.92) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,368/yr in principal paydown and $221,025 in appreciation project a total return of $180,379.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.2% |
| Monthly Cash Flow | $(1,931) | $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 | $3,311 |
| Total Monthly Debt Service | $4,924 |
| DSCR Ratio | 0.67x |
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 1890
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17856, New Columbia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,625 (100%) |
| Owner Occupied HU | 1,264 (77.8%) |
| Renter Occupied HU | 270 (16.6%) |
| Vacant Housing Units | 91 ( 5.6%) |
| Median Home Value | $218,387 |
| Average Home Value | $254,925 |
Housing Distribution
Address Breakdown
Residential
1,465
Single Family
1,457
Multi-Family
8
Businesses
44
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 1890
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17856, New Columbia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,625 (100%) |
| Owner Occupied HU | 1,264 (77.8%) |
| Renter Occupied HU | 270 (16.6%) |
| Vacant Housing Units | 91 ( 5.6%) |
| Median Home Value | $218,387 |
| Average Home Value | $254,925 |
Housing Distribution
Address Breakdown
Residential
1,465
Single Family
1,457
Multi-Family
8
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patricia Franklin • Keller Williams Real Estate - Blue Bell
Mls Name: PMAR
Mls Provider:
Mls ID: #PM-119909
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