2568 Mercer StSandy LakePA16145
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2568 Mercer St, Sandy Lake, PA, 16145 in Sandy Lake. Priced at $170,000, it generates $1,818/mo in gross rent and $704/mo in net monthly cash flow, a 12.83% yield that comfortably supports the 2.38 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,448. Five-year appreciation: $46,968. Equity from principal paydown: $1,566/yr. Total projected cumulative return: $110,112.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.8% | 6.2% |
| Monthly Cash Flow | $704 | $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 | $1,818 |
| Total Monthly Debt Service | $1,046 |
| DSCR Ratio | 1.74x |
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 1947
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16145, Sandy Lake, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,195 (100%) |
| Owner Occupied HU | 892 (74.6%) |
| Renter Occupied HU | 157 (13.1%) |
| Vacant Housing Units | 146 (12.2%) |
| Median Home Value | $227,317 |
| Average Home Value | $269,106 |
Housing Distribution
Address Breakdown
Residential
1,047
Single Family
1,047
Multi-Family
0
Businesses
89
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 1947
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16145, Sandy Lake, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,195 (100%) |
| Owner Occupied HU | 892 (74.6%) |
| Renter Occupied HU | 157 (13.1%) |
| Vacant Housing Units | 146 (12.2%) |
| Median Home Value | $227,317 |
| Average Home Value | $269,106 |
Housing Distribution
Address Breakdown
Residential
1,047
Single Family
1,047
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin Clark • BERKSHIRE HATHAWAY THE PREFERRED REALTY
Mls Name: WPMLS
Mls Provider:
Mls ID: #1706563
Disclaimer: Listing information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.