245 Higgins RdHilliardsPA16040
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 245 Higgins Rd, Hilliards, PA, 16040 in Hilliards is narrow, $118/mo net on $806/mo rent after the $472/mo debt service, but the property operates at break-even-plus, not a loss. At $105,000 with a 9.21% yield, the long-run equity case via 5% appreciation ($29,010 over five years) and $967/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $47,583.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $118 | $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 | $806 |
| Total Monthly Debt Service | $646 |
| DSCR Ratio | 1.25x |
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 1900
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16040, Hilliards, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 473 (100%) |
| Owner Occupied HU | 350 (74.0%) |
| Renter Occupied HU | 67 (14.2%) |
| Vacant Housing Units | 56 (11.8%) |
| Median Home Value | $256,250 |
| Average Home Value | $292,736 |
Housing Distribution
Address Breakdown
Residential
366
Single Family
366
Multi-Family
0
Businesses
7
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 1900
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16040, Hilliards, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 473 (100%) |
| Owner Occupied HU | 350 (74.0%) |
| Renter Occupied HU | 67 (14.2%) |
| Vacant Housing Units | 56 (11.8%) |
| Median Home Value | $256,250 |
| Average Home Value | $292,736 |
Housing Distribution
Address Breakdown
Residential
366
Single Family
366
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ron Butler • HOWARD HANNA REAL ESTATE SERVICES
Mls Name: WPMLS
Mls ID: #1738444