115 E Ruddle StCoaldalePA18218
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 115 E Ruddle St, Coaldale, PA, 18218 in Coaldale is capital appreciation. Rental yield 4.3%. The 4.3% gross yield at $375,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $103,606 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.80) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $71,204.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.2% |
| Monthly Cash Flow | $(1,113) | $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 | $1,344 |
| Total Monthly Debt Service | $2,308 |
| DSCR Ratio | 0.58x |
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.
Multi Family
Built in 1925
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18218, Coaldale, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,322 (100%) |
| Owner Occupied HU | 746 (56.4%) |
| Renter Occupied HU | 307 (23.2%) |
| Vacant Housing Units | 269 (20.3%) |
| Median Home Value | $79,011 |
| Average Home Value | $144,970 |
Housing Distribution
Address Breakdown
Residential
1,095
Single Family
1,095
Multi-Family
0
Businesses
37
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
Multi Family
Built in 1925
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18218, Coaldale, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,322 (100%) |
| Owner Occupied HU | 746 (56.4%) |
| Renter Occupied HU | 307 (23.2%) |
| Vacant Housing Units | 269 (20.3%) |
| Median Home Value | $79,011 |
| Average Home Value | $144,970 |
Housing Distribution
Address Breakdown
Residential
1,095
Single Family
1,095
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer L. DeJesus • Steel City Realty
Mls Name: GLVR
Mls ID: #771560