2194 Retriever LnJames CreekPA16657
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow2194 Retriever Ln, James Creek, PA, 16657 in James Creek is a solid income-producing rental, 11.5% gross yield, $1,418/mo rent, $449/mo net cash flow on a $148,000 buy. DSCR 2.13 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $40,890 and $1,363/yr in principal reduction project a total cumulative return of $85,187.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $449 | $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 | $1,418 |
| Total Monthly Debt Service | $911 |
| DSCR Ratio | 1.56x |
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 1982
1.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16657, James Creek, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 944 (100%) |
| Owner Occupied HU | 456 (48.3%) |
| Renter Occupied HU | 68 ( 7.2%) |
| Vacant Housing Units | 420 (44.5%) |
| Median Home Value | $276,415 |
| Average Home Value | $318,712 |
Housing Distribution
Address Breakdown
Residential
508
Single Family
508
Multi-Family
0
Businesses
28
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 1982
1.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16657, James Creek, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 944 (100%) |
| Owner Occupied HU | 456 (48.3%) |
| Renter Occupied HU | 68 ( 7.2%) |
| Vacant Housing Units | 420 (44.5%) |
| Median Home Value | $276,415 |
| Average Home Value | $318,712 |
Housing Distribution
Address Breakdown
Residential
508
Single Family
508
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices