2205 Horsecreek RdOil CityPA16301
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2205 Horsecreek Rd, Oil City, PA, 16301 in Oil City at $223,550 earns $1,519/mo in rent and nets $54/mo after the $1,060/mo payment, a 8.15% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $61,763 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $1,874/yr in principal paydown, total projected return reaches $84,415.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $54 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,519 |
| Total Monthly Debt Service | $1,430 |
| DSCR Ratio | 1.06x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1945
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16301, Oil City, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,861 (100%) |
| Owner Occupied HU | 4,366 (55.5%) |
| Renter Occupied HU | 2,013 (25.6%) |
| Vacant Housing Units | 1,482 (18.9%) |
| Median Home Value | $101,651 |
| Average Home Value | $144,602 |
Housing Distribution
Address Breakdown
Residential
6,788
Single Family
6,388
Multi-Family
400
Businesses
401
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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
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Listed by: N/A • N/A
Mls Name: Allegheny Valley BOR
Mls ID: #164445
