208 Mercer StClintonvillePA16372
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 208 Mercer St, Clintonville, PA, 16372 in Clintonville: $1,590/mo in rent, $443/mo in net income, 10.9% gross yield, 2.02 DSCR, all at $175,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $48,349 in appreciation and $1,612/yr in principal paydown projects total cumulative return of $95,169.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $443 | $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 | $1,590 |
| Total Monthly Debt Service | $1,077 |
| DSCR Ratio | 1.48x |
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 1928
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16372, Clintonville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 114 (100%) |
| Owner Occupied HU | 78 (68.4%) |
| Renter Occupied HU | 32 (28.1%) |
| Vacant Housing Units | 4 ( 3.5%) |
| Median Home Value | $146,875 |
| Average Home Value | $159,135 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
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 1928
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16372, Clintonville, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 114 (100%) |
| Owner Occupied HU | 78 (68.4%) |
| Renter Occupied HU | 32 (28.1%) |
| Vacant Housing Units | 4 ( 3.5%) |
| Median Home Value | $146,875 |
| Average Home Value | $159,135 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chad Wilkinson • ERA JOHNSON REAL ESTATE INC.
Mls Name: WPMLS
Mls ID: #1727389