258 Factory StLuzernePA18709
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 258 Factory St, Luzerne, PA, 18709 in Luzerne is listed at $167,000 and delivers $1,593/mo in rent and $397/mo in net monthly cash flow. The 10.47% yield and 2.12 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $46,139 over five years, and $1,538/yr in principal reduction supplements cash return. Total projected cumulative return: $95,722.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $397 | $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 | $1,593 |
| Total Monthly Debt Service | $1,028 |
| DSCR Ratio | 1.55x |
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 1950
3,484 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
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 1950
3,484 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Marie Harvey • CENTURY 21 Select Group - Blakeslee
Mls Name: PMAR
Mls ID: #PM-137311