14603 Ridge RdWest SpringfieldPA16443
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 14603 Ridge Rd, West Springfield, PA, 16443 in West Springfield at $110,000 earns $840/mo in rent and nets $119/mo after the $495/mo payment, a 9.16% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,391 over five years. Ziffy Mortgage underwrites this on a 1.70 DSCR without U.S. credit history. With $1,013/yr in principal paydown, total projected return reaches $49,549.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $119 | $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 | $840 |
| Total Monthly Debt Service | $677 |
| DSCR Ratio | 1.24x |
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 1967
4 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 1967
4 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: Susan Dunton • Howard Hanna Erie Airport
Mls Name: GEMLS
Mls ID: #188026