114 Dry Knob RdSmithfieldPA15478
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 114 Dry Knob Rd, Smithfield, PA, 15478 in Smithfield earns a 10.38% gross yield at $139,900. Rent of $1,210/mo nets $293/mo after the $629/mo mortgage. The 1.92 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $38,652 and $1,288/yr in equity accumulation project a total cumulative return of $72,148.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $293 | $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 | $1,210 |
| Total Monthly Debt Service | $861 |
| DSCR Ratio | 1.41x |
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 1900
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15478, Smithfield, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,531 (100%) |
| Owner Occupied HU | 1,742 (68.8%) |
| Renter Occupied HU | 535 (21.1%) |
| Vacant Housing Units | 254 (10.0%) |
| Median Home Value | $194,420 |
| Average Home Value | $230,896 |
Housing Distribution
Address Breakdown
Residential
2,393
Single Family
2,393
Multi-Family
0
Businesses
115
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 1900
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15478, Smithfield, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,531 (100%) |
| Owner Occupied HU | 1,742 (68.8%) |
| Renter Occupied HU | 535 (21.1%) |
| Vacant Housing Units | 254 (10.0%) |
| Median Home Value | $194,420 |
| Average Home Value | $230,896 |
Housing Distribution
Address Breakdown
Residential
2,393
Single Family
2,393
Multi-Family
0
Businesses
115
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Renee Kadar • COLDWELL BANKER LAUREL RIDGE REALTY
Mls Name: WPMLS
Mls ID: #1737384