13 N Main StUnion CityPA16438
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 13 N Main St, Union City, PA, 16438 in Union City. Rental yield 3.36%. At $415,000 with 3.36% gross yield, current distributions are modest, but the 5% appreciation rate projects $114,657 in new equity by year five, complemented by $3,822/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.62) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $57,879.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.2% |
| Monthly Cash Flow | $(1,557) | $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 | $1,163 |
| Total Monthly Debt Service | $2,554 |
| DSCR Ratio | 0.46x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1900
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16438, Union City, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,156 (100%) |
| Owner Occupied HU | 2,413 (58.1%) |
| Renter Occupied HU | 741 (17.8%) |
| Vacant Housing Units | 1,002 (24.1%) |
| Median Home Value | $188,606 |
| Average Home Value | $238,924 |
Housing Distribution
Address Breakdown
Residential
3,226
Single Family
3,104
Multi-Family
122
Businesses
179
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
Multi Family
Built in 1900
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16438, Union City, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,156 (100%) |
| Owner Occupied HU | 2,413 (58.1%) |
| Renter Occupied HU | 741 (17.8%) |
| Vacant Housing Units | 1,002 (24.1%) |
| Median Home Value | $188,606 |
| Average Home Value | $238,924 |
Housing Distribution
Address Breakdown
Residential
3,226
Single Family
3,104
Multi-Family
122
Businesses
179
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel Maher • Coldwell Banker Select - Airpo
Mls Name: GEMLS
Mls ID: #189330