177 Washington StSaint MichaelPA15951
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 177 Washington St, Saint Michael, PA, 15951 in Saint Michael. Priced at $123,000, it generates $1,930/mo in gross rent and $1,124/mo in net monthly cash flow, a 18.83% yield that comfortably supports the 3.49 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $13,483. Five-year appreciation: $33,983. Equity from principal paydown: $1,133/yr. Total projected cumulative return: $119,230.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 18.8% | 6.2% |
| Monthly Cash Flow | $1,124 | $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 | $1,930 |
| Total Monthly Debt Service | $757 |
| DSCR Ratio | 2.55x |
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
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15951, Saint Michael, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 89 (100%) |
| Owner Occupied HU | 68 (76.4%) |
| Renter Occupied HU | 14 (15.7%) |
| Vacant Housing Units | 7 ( 7.9%) |
| Median Home Value | $116,667 |
| Average Home Value | $303,235 |
Housing Distribution
Address Breakdown
Residential
5
Single Family
5
Multi-Family
0
Businesses
28
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
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15951, Saint Michael, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 89 (100%) |
| Owner Occupied HU | 68 (76.4%) |
| Renter Occupied HU | 14 (15.7%) |
| Vacant Housing Units | 7 ( 7.9%) |
| Median Home Value | $116,667 |
| Average Home Value | $303,235 |
Housing Distribution
Address Breakdown
Residential
5
Single Family
5
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Scott Morris • CENTURY 21 ALL SERVICE, INC.
Mls Name: CSMLS
Mls Provider:
Mls ID: #96036884
Disclaimer: Copyright Cambria Somerset Association of REALTORS. All rights reserved. Information is deemed reliable but not guaranteed.