116 3rd StUticaPA16362
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Utica rental at 116 3rd St, Utica, PA, 16362 sits in the solid-income band: 10.08% gross yield, $1,534/mo rent, $338/mo net after the $821/mo debt service, DSCR 1.87. Entry price of $182,500 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $50,421 and $1,681/yr in principal reduction bring total cumulative return to $91,260.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $338 | $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 | $1,534 |
| Total Monthly Debt Service | $1,123 |
| DSCR Ratio | 1.37x |
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 1900
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16362, Utica, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 370 (68.0%) |
| Renter Occupied HU | 42 ( 7.7%) |
| Vacant Housing Units | 132 (24.3%) |
| Median Home Value | $183,696 |
| Average Home Value | $215,426 |
Housing Distribution
Address Breakdown
Residential
395
Single Family
395
Multi-Family
0
Businesses
7
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 1900
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16362, Utica, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 370 (68.0%) |
| Renter Occupied HU | 42 ( 7.7%) |
| Vacant Housing Units | 132 (24.3%) |
| Median Home Value | $183,696 |
| Average Home Value | $215,426 |
Housing Distribution
Address Breakdown
Residential
395
Single Family
395
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Josh Beightol • Shawgo Real Estate LLC
Mls Name: Allegheny Valley BOR
Mls ID: #162149