19 Hill StMonongahelaPA15063
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 19 Hill St, Monongahela, PA, 15063 in Monongahela is narrow, $109/mo net on $830/mo rent after the $495/mo debt service, but the property operates at break-even-plus, not a loss. At $110,000 with a 9.05% yield, the long-run equity case via 5% appreciation ($30,391 over five years) and $1,013/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.68 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $48,901.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $109 | $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 | $830 |
| Total Monthly Debt Service | $677 |
| DSCR Ratio | 1.23x |
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 1927
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15063, Monongahela, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,439 (100%) |
| Owner Occupied HU | 3,869 (71.1%) |
| Renter Occupied HU | 1,078 (19.8%) |
| Vacant Housing Units | 492 ( 9.0%) |
| Median Home Value | $209,220 |
| Average Home Value | $256,680 |
Housing Distribution
Address Breakdown
Residential
5,003
Single Family
4,840
Multi-Family
163
Businesses
319
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 1927
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15063, Monongahela, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,439 (100%) |
| Owner Occupied HU | 3,869 (71.1%) |
| Renter Occupied HU | 1,078 (19.8%) |
| Vacant Housing Units | 492 ( 9.0%) |
| Median Home Value | $209,220 |
| Average Home Value | $256,680 |
Housing Distribution
Address Breakdown
Residential
5,003
Single Family
4,840
Multi-Family
163
Businesses
319
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Voni Black • HOWARD HANNA MID MON VALLEY OFFICE
Mls Name: WPMLS
Mls ID: #1738228