232 Hill Top RdGardnersPA17324
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 232 Hill Top Rd, Gardners, PA, 17324 in Gardners worth modelling. At $135,000 with a 9.13% gross yield, the $1,027/mo rent leaves $142/mo after the $607/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.69 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $37,298 by year five; $1,243/yr in principal reduction adds further equity. Total projected return: $60,626.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $142 | $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 | $1,027 |
| Total Monthly Debt Service | $831 |
| DSCR Ratio | 1.24x |
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.
Manufactured
Built in 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17324, Gardners, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,851 (100%) |
| Owner Occupied HU | 1,459 (78.8%) |
| Renter Occupied HU | 246 (13.3%) |
| Vacant Housing Units | 146 ( 7.9%) |
| Median Home Value | $336,765 |
| Average Home Value | $468,155 |
Housing Distribution
Address Breakdown
Residential
1,696
Single Family
1,696
Multi-Family
0
Businesses
34
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
Manufactured
Built in 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17324, Gardners, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,851 (100%) |
| Owner Occupied HU | 1,459 (78.8%) |
| Renter Occupied HU | 246 (13.3%) |
| Vacant Housing Units | 146 ( 7.9%) |
| Median Home Value | $336,765 |
| Average Home Value | $468,155 |
Housing Distribution
Address Breakdown
Residential
1,696
Single Family
1,696
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nathan Johnston • Keller Williams Keystone Realty
Mls Name: Bright MLS
Mls ID: #PAAD2021550