306 Penn AveLyndoraPA16045
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 306 Penn Ave, Lyndora, PA, 16045 in Lyndora is narrow, $149/mo net on $1,031/mo rent after the $605/mo debt service, but the property operates at break-even-plus, not a loss. At $134,600 with a 9.19% yield, the long-run equity case via 5% appreciation ($37,188 over five years) and $1,240/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.70 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $60,855.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $149 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,031 |
| Total Monthly Debt Service | $828 |
| DSCR Ratio | 1.24x |
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
5,488 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16045, Lyndora, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 619 (100%) |
| Owner Occupied HU | 371 (59.9%) |
| Renter Occupied HU | 143 (23.1%) |
| Vacant Housing Units | 105 (17.0%) |
| Median Home Value | $170,833 |
| Average Home Value | $331,274 |
Housing Distribution
Address Breakdown
Residential
553
Single Family
516
Multi-Family
37
Businesses
72
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
5,488 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16045, Lyndora, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 619 (100%) |
| Owner Occupied HU | 371 (59.9%) |
| Renter Occupied HU | 143 (23.1%) |
| Vacant Housing Units | 105 (17.0%) |
| Median Home Value | $170,833 |
| Average Home Value | $331,274 |
Housing Distribution
Address Breakdown
Residential
553
Single Family
516
Multi-Family
37
Businesses
72
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: WPMLS
Mls ID: #1748493