234 Spring StHarwickPA15049
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 234 Spring St, Harwick, PA, 15049 in Harwick worth modelling. At $105,000 with a 9.49% gross yield, the $830/mo rent leaves $142/mo after the $498/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.67 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $29,010 by year five; $880/yr in principal reduction adds further equity. Total projected return: $47,121.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 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 Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $830 |
| Total Monthly Debt Service | $672 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1920
5,623 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15049, Harwick, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 458 (100%) |
| Owner Occupied HU | 322 (70.3%) |
| Renter Occupied HU | 91 (19.9%) |
| Vacant Housing Units | 45 ( 9.8%) |
| Median Home Value | $200,000 |
| Average Home Value | $250,466 |
Housing Distribution
Address Breakdown
Residential
466
Single Family
466
Multi-Family
0
Businesses
17
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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
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Listed by: N/A • N/A
Mls Name: WPMLS
Mls Provider:
Mls ID: #1774563
