2280 German Settlement RdRidgwayPA15853
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2280 German Settlement Rd, Ridgway, PA, 15853 in Ridgway is capital appreciation. Rental yield 4.11%. The 4.11% gross yield at $499,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $138,113 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.76) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $89,634.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(1,565) | $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 | $1,711 |
| Total Monthly Debt Service | $3,077 |
| DSCR Ratio | 0.56x |
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 1890
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15853, Ridgway, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,490 (100%) |
| Owner Occupied HU | 2,073 (59.4%) |
| Renter Occupied HU | 684 (19.6%) |
| Vacant Housing Units | 733 (21.0%) |
| Median Home Value | $135,560 |
| Average Home Value | $186,295 |
Housing Distribution
Address Breakdown
Residential
2,902
Single Family
2,763
Multi-Family
139
Businesses
314
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 1890
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15853, Ridgway, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,490 (100%) |
| Owner Occupied HU | 2,073 (59.4%) |
| Renter Occupied HU | 684 (19.6%) |
| Vacant Housing Units | 733 (21.0%) |
| Median Home Value | $135,560 |
| Average Home Value | $186,295 |
Housing Distribution
Address Breakdown
Residential
2,902
Single Family
2,763
Multi-Family
139
Businesses
314
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristi Krott • Keller Williams Advantage
Mls Name: ECBR
Mls ID: #25-11
Disclaimer: Copyright Elk Cameron Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.