131 Main StWorthvillePA15784
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 131 Main St, Worthville, PA, 15784 in Worthville is capital appreciation. Rental yield 3.93%. The 3.93% gross yield at $409,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $112,999 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.73) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $69,517.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.2% |
| Monthly Cash Flow | $(1,340) | $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 | $1,340 |
| Total Monthly Debt Service | $2,517 |
| DSCR Ratio | 0.53x |
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.
Single Family
Built in 1880
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15784, Worthville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 36 (100%) |
| Owner Occupied HU | 28 (77.8%) |
| Renter Occupied HU | 5 (13.9%) |
| Vacant Housing Units | 3 ( 8.3%) |
| Median Home Value | $160,000 |
| Average Home Value | $168,750 |
Housing Distribution
Address Breakdown
Residential
62
Single Family
62
Multi-Family
0
Businesses
0
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 1880
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15784, Worthville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 36 (100%) |
| Owner Occupied HU | 28 (77.8%) |
| Renter Occupied HU | 5 (13.9%) |
| Vacant Housing Units | 3 ( 8.3%) |
| Median Home Value | $160,000 |
| Average Home Value | $168,750 |
Housing Distribution
Address Breakdown
Residential
62
Single Family
62
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PAJF2000116