23 Lily Valley RdErwinnaPA18920
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 23 Lily Valley Rd, Erwinna, PA, 18920 in Erwinna. Rental yield 3.38%. At $1,850,000 with 3.38% gross yield, current distributions are modest, but the 5% appreciation rate projects $511,121 in new equity by year five, complemented by $17,039/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.63) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $260,116.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.2% |
| Monthly Cash Flow | $(6,905) | $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 | $5,218 |
| Total Monthly Debt Service | $11,387 |
| DSCR Ratio | 0.46x |
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 1846
8.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18920, Erwinna, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 325 (100%) |
| Owner Occupied HU | 264 (81.2%) |
| Renter Occupied HU | 38 (11.7%) |
| Vacant Housing Units | 23 ( 7.1%) |
| Median Home Value | $825,000 |
| Average Home Value | $869,602 |
Housing Distribution
Address Breakdown
Residential
192
Single Family
192
Multi-Family
0
Businesses
23
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 1846
8.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18920, Erwinna, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 325 (100%) |
| Owner Occupied HU | 264 (81.2%) |
| Renter Occupied HU | 38 (11.7%) |
| Vacant Housing Units | 23 ( 7.1%) |
| Median Home Value | $825,000 |
| Average Home Value | $869,602 |
Housing Distribution
Address Breakdown
Residential
192
Single Family
192
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Suchy • Coldwell Banker Hearthside Realtors- Ottsville
Mls Name: Bright MLS
Mls ID: #PABU2113620