176 Circle DrHardingPA18643
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 176 Circle Dr, Harding, PA, 18643 in Harding, $315,000, 8.53% gross yield, $175/mo net income. Consider it a market-entry position, the $2,239/mo rent covers the $1,416/mo payment with a margin, and 5%/yr appreciation is projected to add $87,029 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.58) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $131,218.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $175 | $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 | $2,239 |
| Total Monthly Debt Service | $1,939 |
| DSCR Ratio | 1.15x |
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 1975
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18643, Pittston, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,924 (100%) |
| Owner Occupied HU | 3,699 (62.4%) |
| Renter Occupied HU | 1,632 (27.5%) |
| Vacant Housing Units | 593 (10.0%) |
| Median Home Value | $222,579 |
| Average Home Value | $244,674 |
Housing Distribution
Address Breakdown
Residential
5,685
Single Family
5,548
Multi-Family
137
Businesses
311
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 1975
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18643, Pittston, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,924 (100%) |
| Owner Occupied HU | 3,699 (62.4%) |
| Renter Occupied HU | 1,632 (27.5%) |
| Vacant Housing Units | 593 (10.0%) |
| Median Home Value | $222,579 |
| Average Home Value | $244,674 |
Housing Distribution
Address Breakdown
Residential
5,685
Single Family
5,548
Multi-Family
137
Businesses
311
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Luzerne County AOR
Mls ID: #26-1360