1320 S Spruce StAshlandPA17921
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 1320 S Spruce St, Ashland, PA, 17921 in Ashland is a conservative rental investment at $126,000. Rental yield 7.71%. A 1.43 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $34,811; $1,160/yr in principal paydown supplements. Total projected return: $46,991.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $(16) | $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 | $810 |
| Total Monthly Debt Service | $776 |
| DSCR Ratio | 1.04x |
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.
Townhouse
Built in 1900
2,614 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17921, Ashland, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,686 (100%) |
| Owner Occupied HU | 2,422 (65.7%) |
| Renter Occupied HU | 591 (16.0%) |
| Vacant Housing Units | 673 (18.3%) |
| Median Home Value | $163,971 |
| Average Home Value | $183,988 |
Housing Distribution
Address Breakdown
Residential
2,906
Single Family
2,826
Multi-Family
80
Businesses
158
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
Townhouse
Built in 1900
2,614 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17921, Ashland, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,686 (100%) |
| Owner Occupied HU | 2,422 (65.7%) |
| Renter Occupied HU | 591 (16.0%) |
| Vacant Housing Units | 673 (18.3%) |
| Median Home Value | $163,971 |
| Average Home Value | $183,988 |
Housing Distribution
Address Breakdown
Residential
2,906
Single Family
2,826
Multi-Family
80
Businesses
158
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carmen Lajas • Signature Lux Realty LLC
Mls Name: Bright MLS
Mls ID: #PASK2022518