230 Old Route 322West DecaturPA16876
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 230 Old Route 322, West Decatur, PA, 16876 in West Decatur: $1,312/mo in rent, $218/mo in net income, 9.43% gross yield, 1.75 DSCR, all at $167,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $46,139 in appreciation and $1,538/yr in principal paydown projects total cumulative return of $77,650.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $218 | $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 | $1,312 |
| Total Monthly Debt Service | $1,028 |
| DSCR Ratio | 1.28x |
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 1959
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16876, Wallaceton, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 125 (100%) |
| Owner Occupied HU | 104 (83.2%) |
| Renter Occupied HU | 13 (10.4%) |
| Vacant Housing Units | 8 ( 6.4%) |
| Median Home Value | $110,714 |
| Average Home Value | $191,010 |
Housing Distribution
Address Breakdown
Residential
19
Single Family
19
Multi-Family
0
Businesses
5
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 1959
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16876, Wallaceton, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 125 (100%) |
| Owner Occupied HU | 104 (83.2%) |
| Renter Occupied HU | 13 (10.4%) |
| Vacant Housing Units | 8 ( 6.4%) |
| Median Home Value | $110,714 |
| Average Home Value | $191,010 |
Housing Distribution
Address Breakdown
Residential
19
Single Family
19
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Launce Soult • Realty One Group Supreme
Mls Name: Bright MLS
Mls ID: #PACD2044644