231 S Nichols StSaint ClairPA17970
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow231 S Nichols St, Saint Clair, PA, 17970 in Saint Clair earns its strong cash-flow label: 14.29% yield, $1,428/mo rent, $642/mo net income, DSCR 2.65. The $119,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $33,126 by year five. Combined with $1,104/yr in principal paydown, total projected return reaches $87,048.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14.3% | 6.2% |
| Monthly Cash Flow | $642 | $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 | $1,428 |
| Total Monthly Debt Service | $738 |
| DSCR Ratio | 1.93x |
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.
Townhouse
Built in 1897
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17970, Saint Clair, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,723 (100%) |
| Owner Occupied HU | 1,024 (59.4%) |
| Renter Occupied HU | 393 (22.8%) |
| Vacant Housing Units | 306 (17.8%) |
| Median Home Value | $86,111 |
| Average Home Value | $131,870 |
Housing Distribution
Address Breakdown
Residential
1,500
Single Family
1,478
Multi-Family
22
Businesses
125
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
Townhouse
Built in 1897
3,485 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17970, Saint Clair, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,723 (100%) |
| Owner Occupied HU | 1,024 (59.4%) |
| Renter Occupied HU | 393 (22.8%) |
| Vacant Housing Units | 306 (17.8%) |
| Median Home Value | $86,111 |
| Average Home Value | $131,870 |
Housing Distribution
Address Breakdown
Residential
1,500
Single Family
1,478
Multi-Family
22
Businesses
125
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices