277 Ridge RdDarlingtonPA16115
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.46% gross rental yield, 277 Ridge Rd, Darlington, PA, 16115 in Darlington is priced for capital growth, not immediate cash flow. The $599,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $165,741 by year five, with $5,525/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.64) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $86,796.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.2% |
| Monthly Cash Flow | $(2,201) | $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 | $1,730 |
| Total Monthly Debt Service | $3,692 |
| DSCR Ratio | 0.47x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16115, Darlington, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,365 (100%) |
| Owner Occupied HU | 1,079 (79.0%) |
| Renter Occupied HU | 168 (12.3%) |
| Vacant Housing Units | 118 ( 8.6%) |
| Median Home Value | $207,886 |
| Average Home Value | $261,682 |
Housing Distribution
Address Breakdown
Residential
1,290
Single Family
1,290
Multi-Family
0
Businesses
90
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 N/A
93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16115, Darlington, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,365 (100%) |
| Owner Occupied HU | 1,079 (79.0%) |
| Renter Occupied HU | 168 (12.3%) |
| Vacant Housing Units | 118 ( 8.6%) |
| Median Home Value | $207,886 |
| Average Home Value | $261,682 |
Housing Distribution
Address Breakdown
Residential
1,290
Single Family
1,290
Multi-Family
0
Businesses
90
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Janeen Agudio • HOWARD HANNA REAL ESTATE SERVICES
Mls Name: WPMLS
Mls ID: #1737376