19 Congo RdGilbertsvillePA19525
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Gilbertsville rental at 19 Congo Rd, Gilbertsville, PA, 19525 sits in the solid-income band: 9.46% gross yield, $2,041/mo rent, $344/mo net after the $1,165/mo debt service, DSCR 1.75. Entry price of $259,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $71,557 and $2,385/yr in principal reduction bring total cumulative return to $120,737.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $344 | $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 | $2,041 |
| Total Monthly Debt Service | $1,594 |
| DSCR Ratio | 1.28x |
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 1930
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19525, Gilbertsville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,171 (100%) |
| Owner Occupied HU | 5,408 (87.6%) |
| Renter Occupied HU | 593 ( 9.6%) |
| Vacant Housing Units | 170 ( 2.8%) |
| Median Home Value | $448,000 |
| Average Home Value | $478,513 |
Housing Distribution
Address Breakdown
Residential
5,868
Single Family
5,787
Multi-Family
81
Businesses
306
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 1930
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19525, Gilbertsville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,171 (100%) |
| Owner Occupied HU | 5,408 (87.6%) |
| Renter Occupied HU | 593 ( 9.6%) |
| Vacant Housing Units | 170 ( 2.8%) |
| Median Home Value | $448,000 |
| Average Home Value | $478,513 |
Housing Distribution
Address Breakdown
Residential
5,868
Single Family
5,787
Multi-Family
81
Businesses
306
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andrew Sundell • RE/MAX Centre Realtors
Mls Name: Bright MLS
Mls ID: #PAMC2153844