134 Railroad StOak RidgePA16245
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 134 Railroad St, Oak Ridge, PA, 16245 in Oak Ridge. Priced at $125,000, it generates $1,416/mo in gross rent and $595/mo in net monthly cash flow, a 13.59% yield that comfortably supports the 2.52 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,135. Five-year appreciation: $34,535. Equity from principal paydown: $1,151/yr. Total projected cumulative return: $85,915.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.6% | 6.2% |
| Monthly Cash Flow | $595 | $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 | $1,416 |
| Total Monthly Debt Service | $772 |
| DSCR Ratio | 1.84x |
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 1977
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16245, Oak Ridge, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
2
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 1977
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16245, Oak Ridge, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Courtney Ortz • RE/MAX Select Realty - New Bethlehem
Mls Name: Allegheny Valley BOR
Mls ID: #161706
Disclaimer: Copyright Allegheny Valley Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.