145 N Genesee StGeneseePA16923
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 145 N Genesee St, Genesee, PA, 16923 in Genesee at $235,000 earns $1,692/mo in rent and nets $152/mo after the $1,057/mo payment, a 8.64% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $64,926 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $2,164/yr in principal paydown, total projected return reaches $99,296.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $152 | $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 | $1,692 |
| Total Monthly Debt Service | $1,446 |
| DSCR Ratio | 1.17x |
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 1986
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16923, Genesee, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 909 (100%) |
| Owner Occupied HU | 455 (50.1%) |
| Renter Occupied HU | 125 (13.8%) |
| Vacant Housing Units | 329 (36.2%) |
| Median Home Value | $195,625 |
| Average Home Value | $257,187 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
552
Multi-Family
0
Businesses
25
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 1986
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16923, Genesee, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 909 (100%) |
| Owner Occupied HU | 455 (50.1%) |
| Renter Occupied HU | 125 (13.8%) |
| Vacant Housing Units | 329 (36.2%) |
| Median Home Value | $195,625 |
| Average Home Value | $257,187 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
552
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christine Mountz • Howard Hanna Professionals-Coudersport
Mls Name: Northern Mountains of Pennsylvania MLS
Mls Provider:
Mls ID: #31721571
Disclaimer: Copyright North Central Penn Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.