108 Oakwood DrMiddlebury CenterPA16935
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 108 Oakwood Dr, Middlebury Center, PA, 16935 in Middlebury Center earns a 8.64% gross yield at $345,000. Rent of $2,483/mo nets $222/mo after the $1,551/mo mortgage. The 1.60 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $95,317 and $3,177/yr in equity accumulation project a total cumulative return of $145,689.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $222 | $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 | $2,483 |
| Total Monthly Debt Service | $2,123 |
| DSCR Ratio | 1.17x |
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.
Single Family
Built in 1990
7.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16935, Middlebury Center, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 730 (100%) |
| Owner Occupied HU | 474 (64.9%) |
| Renter Occupied HU | 96 (13.2%) |
| Vacant Housing Units | 160 (21.9%) |
| Median Home Value | $230,822 |
| Average Home Value | $242,489 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
24
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 1990
7.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16935, Middlebury Center, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 730 (100%) |
| Owner Occupied HU | 474 (64.9%) |
| Renter Occupied HU | 96 (13.2%) |
| Vacant Housing Units | 160 (21.9%) |
| Median Home Value | $230,822 |
| Average Home Value | $242,489 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Phyllis Wheeler • Mountain Valley Realty, Inc.
Mls Name: Northern Mountains of Pennsylvania MLS
Mls Provider:
Mls ID: #31720081
Disclaimer: Copyright North Central Penn Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.