138 E Mechanic StMuncyPA17756
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 138 E Mechanic St, Muncy, PA, 17756 in Muncy delivers $1,253/mo in gross rent and $473/mo in net monthly income at a $119,000 entry. The 12.63% yield and 2.34 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $32,878 over five years and $1,096/yr in equity from loan paydown, total projected return is $75,785.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 6.2% |
| Monthly Cash Flow | $473 | $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 | $1,253 |
| Total Monthly Debt Service | $732 |
| DSCR Ratio | 1.71x |
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.
Multi Family
Built in 1901
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17756, Muncy, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,978 (100%) |
| Owner Occupied HU | 3,649 (73.3%) |
| Renter Occupied HU | 954 (19.2%) |
| Vacant Housing Units | 375 ( 7.5%) |
| Median Home Value | $270,661 |
| Average Home Value | $312,705 |
Housing Distribution
Address Breakdown
Residential
4,807
Single Family
4,764
Multi-Family
43
Businesses
407
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 1901
0.48 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17756, Muncy, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,978 (100%) |
| Owner Occupied HU | 3,649 (73.3%) |
| Renter Occupied HU | 954 (19.2%) |
| Vacant Housing Units | 375 ( 7.5%) |
| Median Home Value | $270,661 |
| Average Home Value | $312,705 |
Housing Distribution
Address Breakdown
Residential
4,807
Single Family
4,764
Multi-Family
43
Businesses
407
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Fessler • Berkshire Hathaway Homeservices Hodrick Realty, Wpt
Mls Name: West Branch Valley AOR
Mls ID: #WB-101313
Disclaimer: Copyright West Branch Valley Association of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.