120 W Water St, Middletown, PA, 17057 | $463/mo Cash Flow

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Monthly Cash Flow: 1 - 3k+

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120 W Water St, Middletown, PA, 17057 | $463/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Middletown at 120 W Water St, Middletown, PA, 17057 listed at $239,717 pairs $2,034/mo rent with a $1,173/mo payment to leave $463/mo cash flow. Total monthly income runs $2,034/mo, and annual cash flow reaches $5,562/yr on $79,466 cash to close. Return on cash invested measures 26.91% in year one, and rental yield registers 10.18% at a $239,717 basis. Equity gained on principal adds $1,547/yr, and annual property appreciation at 5% supports $66,229 by year five. Five-year ROI tracks 140.87% and total cumulative return in cash totals $111,945. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $2,034/mo property income relative to a $1,173/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).

Single Family

Built in 1958

3,920 sqft lot

$N/A/sqft

No HOA

More details about the property

An exceptional opportunity awaits with this versatile property perfectly suited for a wide range of R2 zoning uses. Currently the impeccably renovated headquarters of 717 Mortgage Group, this space reflects top-tier craftsmanship and attention to detail at every turn. Whether you envision a prime location for your business, a smart and appealing investment, or a seamless conversion to a SINGLE FAMILY RESIDENCE, this property offers unmatched flexibility. The thoughtfully designed layout easily supports multiple uses, and the finished media room in the basement adds a rare and valuable bonus. With ample off-street parking and a convenient in-town location, this property truly checks all the boxes.

Neighborhood Data

Neighborhood data shown for ZIP Code: 17057, Middletown, PA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	10,467 (100%)
Owner Occupied HU	6,273 (59.9%)
Renter Occupied HU	3,418 (32.7%)
Vacant Housing Units	776 ( 7.4%)
Median Home Value	$224,159
Average Home Value	$278,018