115 1st StLakevillePA18438
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 115 1st St, Lakeville, PA, 18438 in Lakeville is narrow, $155/mo net on $1,852/mo rent after the $1,165/mo debt service, but the property operates at break-even-plus, not a loss. At $259,000 with a 8.58% yield, the long-run equity case via 5% appreciation ($71,557 over five years) and $2,385/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $108,581.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $155 | $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 | $1,852 |
| Total Monthly Debt Service | $1,594 |
| DSCR Ratio | 1.16x |
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 1963
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18438, Lakeville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,665 (100%) |
| Owner Occupied HU | 530 (31.8%) |
| Renter Occupied HU | 84 ( 5.0%) |
| Vacant Housing Units | 1,051 (63.1%) |
| Median Home Value | $358,955 |
| Average Home Value | $467,962 |
Housing Distribution
Address Breakdown
Residential
917
Single Family
917
Multi-Family
0
Businesses
36
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 1963
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18438, Lakeville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,665 (100%) |
| Owner Occupied HU | 530 (31.8%) |
| Renter Occupied HU | 84 ( 5.0%) |
| Vacant Housing Units | 1,051 (63.1%) |
| Median Home Value | $358,955 |
| Average Home Value | $467,962 |
Housing Distribution
Address Breakdown
Residential
917
Single Family
917
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Marie Perry Smith • CENTURY 21 Country Lake Homes - Lords Valley
Mls Name: PWAR
Mls ID: #PW253224