204 N Main StSenecaPA16346
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.95% yield at 204 N Main St, Seneca, PA, 16346 in Seneca is solid, but the $1,214/mo payment compresses net cash flow to $21/mo at $269,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $74,568 by year five, and $2,486/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.47) without U.S. income documentation. Total projected return: $104,084.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $21 | $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 | $1,789 |
| Total Monthly Debt Service | $1,661 |
| DSCR Ratio | 1.08x |
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 1922
0.50 Acres lot
$N/A/sqft
No HOA
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 1922
0.50 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin Ochalek, Sr. • Howard Hanna - Rosewood Real Estate
Mls Name: Allegheny Valley BOR
Mls ID: #161329
Disclaimer: Copyright Allegheny Valley Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.