256 Kelly StLuzernePA18709








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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


Investment Highlights
Investment property for sale in Luzerne at 256 Kelly St, Luzerne, PA, 18709 with 5% annual appreciation on a $150,000 basis while $1,204/mo rent supports operations. Total monthly income totals $1,204/mo and a $734/mo payment preserves $221/mo for cash returns. Annual cash flow comes to $2,655/yr on $49,725 deployed, and return on cash invested reaches 25.25% in year one. Equity gained on principal adds $968/yr, and five-year appreciation sums $41,442 alongside rental yield of 9.63%. Five-year ROI measures 132.04% and total cumulative return in cash totals $65,658.
Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $1,204/mo property income versus a $734/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in N/A
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18709, Luzerne, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,577 (100%) |
| Owner Occupied HU | 796 (50.5%) |
| Renter Occupied HU | 588 (37.3%) |
| Vacant Housing Units | 193 (12.2%) |
| Median Home Value | $153,198 |
| Average Home Value | $180,980 |
Housing Distribution
Address Breakdown
Residential
1,426
Single Family
1,312
Multi-Family
114
Businesses
187
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Listed by: Ilona Bruns • ERA One Source Realty
Mls Name: Luzerne County AOR
Mls ID: #25-2824








