12 Maclay StMilroyPA17063
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 12 Maclay St, Milroy, PA, 17063 in Milroy is listed at $179,000 and delivers $1,462/mo in rent and $289/mo in net monthly cash flow. The 9.8% yield and 1.82 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $49,454 over five years, and $1,649/yr in principal reduction supplements cash return. Total projected cumulative return: $86,799.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $289 | $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 | $1,462 |
| Total Monthly Debt Service | $1,102 |
| DSCR Ratio | 1.33x |
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 1940
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17063, Milroy, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,760 (100%) |
| Owner Occupied HU | 1,120 (63.6%) |
| Renter Occupied HU | 275 (15.6%) |
| Vacant Housing Units | 365 (20.7%) |
| Median Home Value | $158,979 |
| Average Home Value | $203,750 |
Housing Distribution
Address Breakdown
Residential
1,219
Single Family
1,219
Multi-Family
0
Businesses
65
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 1940
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17063, Milroy, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,760 (100%) |
| Owner Occupied HU | 1,120 (63.6%) |
| Renter Occupied HU | 275 (15.6%) |
| Vacant Housing Units | 365 (20.7%) |
| Median Home Value | $158,979 |
| Average Home Value | $203,750 |
Housing Distribution
Address Breakdown
Residential
1,219
Single Family
1,219
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PAMF2052918