115 Pine StGaletonPA16922
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 115 Pine St, Galeton, PA, 16922 in Galeton speaks for itself: 12.59% gross on a $139,500 price, generating $1,464/mo in rent and $550/mo in net income after the $627/mo debt service. DSCR 2.33, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,599 stacks alongside $38,541 in projected five-year appreciation and $1,285/yr in principal reduction. Projected total cumulative return: $88,528.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 6.2% |
| Monthly Cash Flow | $550 | $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 | $1,464 |
| Total Monthly Debt Service | $859 |
| DSCR Ratio | 1.71x |
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 1901
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16922, Galeton, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,061 (100%) |
| Owner Occupied HU | 654 (31.7%) |
| Renter Occupied HU | 228 (11.1%) |
| Vacant Housing Units | 1,179 (57.2%) |
| Median Home Value | $162,037 |
| Average Home Value | $208,047 |
Housing Distribution
Address Breakdown
Residential
883
Single Family
855
Multi-Family
28
Businesses
91
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 1901
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16922, Galeton, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,061 (100%) |
| Owner Occupied HU | 654 (31.7%) |
| Renter Occupied HU | 228 (11.1%) |
| Vacant Housing Units | 1,179 (57.2%) |
| Median Home Value | $162,037 |
| Average Home Value | $208,047 |
Housing Distribution
Address Breakdown
Residential
883
Single Family
855
Multi-Family
28
Businesses
91
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Russell James Bull • Pine Creek Real Estate (G)
Mls Name: Northern Mountains of Pennsylvania MLS
Mls Provider:
Mls ID: #31722650
Disclaimer: Copyright North Central Penn Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.