225 2nd StSmithtonPA15479
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 225 2nd St, Smithton, PA, 15479 in Smithton is listed at $139,900 and delivers $1,325/mo in rent and $408/mo in net monthly cash flow. The 11.36% yield and 2.11 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $38,652 over five years, and $1,288/yr in principal reduction supplements cash return. Total projected cumulative return: $79,528.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 6.2% |
| Monthly Cash Flow | $408 | $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 | $1,325 |
| Total Monthly Debt Service | $861 |
| DSCR Ratio | 1.54x |
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 N/A
4,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15479, Smithton, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,052 (100%) |
| Owner Occupied HU | 794 (75.5%) |
| Renter Occupied HU | 151 (14.4%) |
| Vacant Housing Units | 107 (10.2%) |
| Median Home Value | $286,325 |
| Average Home Value | $341,678 |
Housing Distribution
Address Breakdown
Residential
635
Single Family
635
Multi-Family
0
Businesses
48
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 N/A
4,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15479, Smithton, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,052 (100%) |
| Owner Occupied HU | 794 (75.5%) |
| Renter Occupied HU | 151 (14.4%) |
| Vacant Housing Units | 107 (10.2%) |
| Median Home Value | $286,325 |
| Average Home Value | $341,678 |
Housing Distribution
Address Breakdown
Residential
635
Single Family
635
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Manown • REALTY ONE GROUP GOLD STANDARD
Mls Name: WPMLS
Mls ID: #1729748