107 Rock Ridge RdOttsvillePA18942
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 107 Rock Ridge Rd, Ottsville, PA, 18942 in Ottsville is capital appreciation. Rental yield 2.97%. The 2.97% gross yield at $799,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $220,749 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.55) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $94,695.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 6.2% |
| Monthly Cash Flow | $(3,256) | $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 | $1,980 |
| Total Monthly Debt Service | $4,918 |
| DSCR Ratio | 0.40x |
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 1930
6.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18942, Ottsville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,485 (100%) |
| Owner Occupied HU | 1,089 (73.3%) |
| Renter Occupied HU | 249 (16.8%) |
| Vacant Housing Units | 147 ( 9.9%) |
| Median Home Value | $708,948 |
| Average Home Value | $755,087 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
140
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 1930
6.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18942, Ottsville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,485 (100%) |
| Owner Occupied HU | 1,089 (73.3%) |
| Renter Occupied HU | 249 (16.8%) |
| Vacant Housing Units | 147 ( 9.9%) |
| Median Home Value | $708,948 |
| Average Home Value | $755,087 |
Housing Distribution
Address Breakdown
Residential
1,246
Single Family
1,246
Multi-Family
0
Businesses
140
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stephen Darlington • BHHS Fox & Roach-New Hope
Mls Name: Bright MLS
Mls ID: #PABU2106298