180 S Main StAlbionPA16401
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 180 S Main St, Albion, PA, 16401 in Albion. Priced at $104,900, it generates $1,340/mo in gross rent and $648/mo in net monthly cash flow, a 15.33% yield that comfortably supports the 2.84 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,778. Five-year appreciation: $28,982. Equity from principal paydown: $966/yr. Total projected cumulative return: $81,678.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.3% | 6.2% |
| Monthly Cash Flow | $648 | $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 | $1,340 |
| Total Monthly Debt Service | $650 |
| DSCR Ratio | 2.06x |
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 1940
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16401, Albion, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,867 (100%) |
| Owner Occupied HU | 1,336 (71.6%) |
| Renter Occupied HU | 360 (19.3%) |
| Vacant Housing Units | 171 ( 9.2%) |
| Median Home Value | $215,642 |
| Average Home Value | $250,071 |
Housing Distribution
Address Breakdown
Residential
1,775
Single Family
1,710
Multi-Family
65
Businesses
100
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 1940
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16401, Albion, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,867 (100%) |
| Owner Occupied HU | 1,336 (71.6%) |
| Renter Occupied HU | 360 (19.3%) |
| Vacant Housing Units | 171 ( 9.2%) |
| Median Home Value | $215,642 |
| Average Home Value | $250,071 |
Housing Distribution
Address Breakdown
Residential
1,775
Single Family
1,710
Multi-Family
65
Businesses
100
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jarvis Sanders • Howard Hanna Erie Airport
Mls Name: GEMLS
Mls ID: #187489
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.