115 Spring StBedfordPA15522
INVESTMENT ANALYSIS
Investment Verdict
Solid Income115 Spring St, Bedford, PA, 15522 in Bedford earns a respectable 8.49% gross yield at $214,000, but after the $962/mo mortgage the net cash flow is $112/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.57) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $59,124 over five years, making equity the dominant return driver. Total projected return: $88,740.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $112 | $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 | $1,514 |
| Total Monthly Debt Service | $1,317 |
| DSCR Ratio | 1.15x |
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 1972
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15522, Bedford, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,937 (100%) |
| Owner Occupied HU | 3,740 (63.0%) |
| Renter Occupied HU | 1,379 (23.2%) |
| Vacant Housing Units | 818 (13.8%) |
| Median Home Value | $246,560 |
| Average Home Value | $297,818 |
Housing Distribution
Address Breakdown
Residential
5,503
Single Family
5,249
Multi-Family
254
Businesses
670
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 1972
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15522, Bedford, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,937 (100%) |
| Owner Occupied HU | 3,740 (63.0%) |
| Renter Occupied HU | 1,379 (23.2%) |
| Vacant Housing Units | 818 (13.8%) |
| Median Home Value | $246,560 |
| Average Home Value | $297,818 |
Housing Distribution
Address Breakdown
Residential
5,503
Single Family
5,249
Multi-Family
254
Businesses
670
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Betty Everly • Charis Realty Group Bedford
Mls Name: AHAR
Mls Provider:
Mls ID: #75756
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