304 E High StEbensburgPA15931
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.26% yield at 304 E High St, Ebensburg, PA, 15931 in Ebensburg is solid, but the $478/mo payment compresses net cash flow to $123/mo at $106,300. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $29,369 by year five, and $979/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.72) without U.S. income documentation. Total projected return: $48,430.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $123 | $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 | $820 |
| Total Monthly Debt Service | $654 |
| DSCR Ratio | 1.25x |
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 1920
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15931, Ebensburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,009 (100%) |
| Owner Occupied HU | 2,812 (70.1%) |
| Renter Occupied HU | 884 (22.1%) |
| Vacant Housing Units | 313 ( 7.8%) |
| Median Home Value | $232,331 |
| Average Home Value | $285,100 |
Housing Distribution
Address Breakdown
Residential
3,578
Single Family
3,346
Multi-Family
232
Businesses
507
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 1920
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15931, Ebensburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,009 (100%) |
| Owner Occupied HU | 2,812 (70.1%) |
| Renter Occupied HU | 884 (22.1%) |
| Vacant Housing Units | 313 ( 7.8%) |
| Median Home Value | $232,331 |
| Average Home Value | $285,100 |
Housing Distribution
Address Breakdown
Residential
3,578
Single Family
3,346
Multi-Family
232
Businesses
507
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matthew Evey • John Hill Real Estate
Mls Name: AHAR
Mls ID: #78924