281 2nd StNew ColumbiaPA17856
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 281 2nd St, New Columbia, PA, 17856 in New Columbia earns a 9.36% gross yield at $166,500. Rent of $1,299/mo nets $208/mo after the $749/mo mortgage. The 1.73 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $46,001 and $1,533/yr in equity accumulation project a total cumulative return of $76,766.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $208 | $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 | $1,299 |
| Total Monthly Debt Service | $1,025 |
| DSCR Ratio | 1.27x |
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 1900
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17856, New Columbia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,625 (100%) |
| Owner Occupied HU | 1,264 (77.8%) |
| Renter Occupied HU | 270 (16.6%) |
| Vacant Housing Units | 91 ( 5.6%) |
| Median Home Value | $218,387 |
| Average Home Value | $254,925 |
Housing Distribution
Address Breakdown
Residential
1,465
Single Family
1,457
Multi-Family
8
Businesses
44
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 1900
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17856, New Columbia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,625 (100%) |
| Owner Occupied HU | 1,264 (77.8%) |
| Renter Occupied HU | 270 (16.6%) |
| Vacant Housing Units | 91 ( 5.6%) |
| Median Home Value | $218,387 |
| Average Home Value | $254,925 |
Housing Distribution
Address Breakdown
Residential
1,465
Single Family
1,457
Multi-Family
8
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: DOUGLAS A WERTZ • COLDWELL BANKER PENN ONE REAL ESTATE
Mls Name: CSVBOR
Mls ID: #C-121