115 Penny LnNew FreedomPA17349
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.17% yield at 115 Penny Ln, New Freedom, PA, 17349 in New Freedom is solid, but the $2,135/mo payment compresses net cash flow to $121/mo at $474,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $131,206 by year five, and $4,374/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.51) without U.S. income documentation. Total projected return: $188,657.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $121 | $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 | $3,233 |
| Total Monthly Debt Service | $2,923 |
| DSCR Ratio | 1.11x |
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 1989
0.98 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
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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 1989
0.98 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tim Salla • Berkshire Hathaway HomeServices Homesale Realty
Mls Name: Bright MLS
Mls ID: #PAYK2095888