128 Heirloomn Dr Lot 7Centre HallPA16828
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 128 Heirloomn Dr Lot 7, Centre Hall, PA, 16828 in Centre Hall earns a 9.24% gross yield at $404,990. Rent of $3,120/mo nets $441/mo after the $1,821/mo mortgage. The 1.71 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $111,891 and $3,730/yr in equity accumulation project a total cumulative return of $184,228.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $441 | $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 | $3,120 |
| Total Monthly Debt Service | $2,493 |
| DSCR Ratio | 1.25x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16828, Centre Hall, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,031 (100%) |
| Owner Occupied HU | 1,523 (75.0%) |
| Renter Occupied HU | 298 (14.7%) |
| Vacant Housing Units | 210 (10.3%) |
| Median Home Value | $377,246 |
| Average Home Value | $435,396 |
Housing Distribution
Address Breakdown
Residential
1,454
Single Family
1,344
Multi-Family
110
Businesses
123
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16828, Centre Hall, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,031 (100%) |
| Owner Occupied HU | 1,523 (75.0%) |
| Renter Occupied HU | 298 (14.7%) |
| Vacant Housing Units | 210 (10.3%) |
| Median Home Value | $377,246 |
| Average Home Value | $435,396 |
Housing Distribution
Address Breakdown
Residential
1,454
Single Family
1,344
Multi-Family
110
Businesses
123
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PACE2517948