13326 Ridge RdWest SpringfieldPA16443
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 13326 Ridge Rd, West Springfield, PA, 16443 in West Springfield is narrow, $87/mo net on $1,790/mo rent after the $1,169/mo debt service, but the property operates at break-even-plus, not a loss. At $260,000 with a 8.26% yield, the long-run equity case via 5% appreciation ($71,833 over five years) and $2,395/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.53 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $104,565.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $87 | $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 | $1,790 |
| Total Monthly Debt Service | $1,600 |
| DSCR Ratio | 1.12x |
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 1954
3.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16443, West Springfield, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 599 (100%) |
| Owner Occupied HU | 456 (76.1%) |
| Renter Occupied HU | 89 (14.9%) |
| Vacant Housing Units | 54 ( 9.0%) |
| Median Home Value | $198,750 |
| Average Home Value | $233,438 |
Housing Distribution
Address Breakdown
Residential
527
Single Family
527
Multi-Family
0
Businesses
24
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 1954
3.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16443, West Springfield, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 599 (100%) |
| Owner Occupied HU | 456 (76.1%) |
| Renter Occupied HU | 89 (14.9%) |
| Vacant Housing Units | 54 ( 9.0%) |
| Median Home Value | $198,750 |
| Average Home Value | $233,438 |
Housing Distribution
Address Breakdown
Residential
527
Single Family
527
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Judi Weidler • Pennington Lines RE Girard
Mls Name: GEMLS
Mls ID: #183898
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.