277 Union StMillersburgPA17061
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 277 Union St, Millersburg, PA, 17061 in Millersburg: $1,556/mo in rent, $397/mo in net income, 10.55% gross yield, 1.95 DSCR, all at $177,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $48,902 in appreciation and $1,630/yr in principal paydown projects total cumulative return of $92,910.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 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 | $1,556 |
| Total Monthly Debt Service | $1,089 |
| DSCR Ratio | 1.43x |
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 1890
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17061, Millersburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,192 (100%) |
| Owner Occupied HU | 2,039 (63.9%) |
| Renter Occupied HU | 906 (28.4%) |
| Vacant Housing Units | 247 ( 7.7%) |
| Median Home Value | $232,016 |
| Average Home Value | $288,944 |
Housing Distribution
Address Breakdown
Residential
2,909
Single Family
2,810
Multi-Family
99
Businesses
182
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 1890
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17061, Millersburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,192 (100%) |
| Owner Occupied HU | 2,039 (63.9%) |
| Renter Occupied HU | 906 (28.4%) |
| Vacant Housing Units | 247 ( 7.7%) |
| Median Home Value | $232,016 |
| Average Home Value | $288,944 |
Housing Distribution
Address Breakdown
Residential
2,909
Single Family
2,810
Multi-Family
99
Businesses
182
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lori Schoffstall • JCT Realty, Inc.
Mls Name: Bright MLS
Mls ID: #PADA2051090