189 Hemlock LnCogan StationPA17728
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow189 Hemlock Ln, Cogan Station, PA, 17728 in Cogan Station earns its strong cash-flow label: 13.25% yield, $3,533/mo rent, $1,437/mo net income, DSCR 2.46. The $319,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $88,382 by year five. Combined with $2,946/yr in principal paydown, total projected return reaches $214,319.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 13.3% | 6.2% |
| Monthly Cash Flow | $1,437 | $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 | $3,533 |
| Total Monthly Debt Service | $1,969 |
| DSCR Ratio | 1.79x |
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 1996
1.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17728, Cogan Station, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,168 (100%) |
| Owner Occupied HU | 1,716 (79.2%) |
| Renter Occupied HU | 267 (12.3%) |
| Vacant Housing Units | 185 ( 8.5%) |
| Median Home Value | $279,719 |
| Average Home Value | $327,424 |
Housing Distribution
Address Breakdown
Residential
2,139
Single Family
2,139
Multi-Family
0
Businesses
60
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 1996
1.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17728, Cogan Station, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,168 (100%) |
| Owner Occupied HU | 1,716 (79.2%) |
| Renter Occupied HU | 267 (12.3%) |
| Vacant Housing Units | 185 ( 8.5%) |
| Median Home Value | $279,719 |
| Average Home Value | $327,424 |
Housing Distribution
Address Breakdown
Residential
2,139
Single Family
2,139
Multi-Family
0
Businesses
60
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices