221 E Horner StEbensburgPA15931
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play221 E Horner St, Ebensburg, PA, 15931 in Ebensburg is priced for appreciation, not yield. Rental yield 4.93%. At $199,900 with a 4.93% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $55,229 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.91) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $44,666.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(489) | $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 | $821 |
| Total Monthly Debt Service | $1,230 |
| DSCR Ratio | 0.67x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1920
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15931, Ebensburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,009 (100%) |
| Owner Occupied HU | 2,812 (70.1%) |
| Renter Occupied HU | 884 (22.1%) |
| Vacant Housing Units | 313 ( 7.8%) |
| Median Home Value | $232,331 |
| Average Home Value | $285,100 |
Housing Distribution
Address Breakdown
Residential
3,578
Single Family
3,346
Multi-Family
232
Businesses
507
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 1920
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15931, Ebensburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,009 (100%) |
| Owner Occupied HU | 2,812 (70.1%) |
| Renter Occupied HU | 884 (22.1%) |
| Vacant Housing Units | 313 ( 7.8%) |
| Median Home Value | $232,331 |
| Average Home Value | $285,100 |
Housing Distribution
Address Breakdown
Residential
3,578
Single Family
3,346
Multi-Family
232
Businesses
507
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Hunter Ott • Howard Hanna Bardell Realty Altoona
Mls Name: AHAR
Mls ID: #78490