307 Main StEast SmithfieldPA18817
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 307 Main St, East Smithfield, PA, 18817 in East Smithfield: $1,552/mo in rent, $483/mo in net income, 11.42% gross yield, 2.12 DSCR, all at $163,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $45,034 in appreciation and $1,501/yr in principal paydown projects total cumulative return of $93,221.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 6.2% |
| Monthly Cash Flow | $483 | $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 | $1,552 |
| Total Monthly Debt Service | $1,003 |
| DSCR Ratio | 1.55x |
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 1916
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18817, East Smithfield, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 119 (100%) |
| Owner Occupied HU | 96 (80.7%) |
| Renter Occupied HU | 20 (16.8%) |
| Vacant Housing Units | 3 ( 2.5%) |
| Median Home Value | $266,667 |
| Average Home Value | $300,703 |
Housing Distribution
Address Breakdown
Residential
38
Single Family
38
Multi-Family
0
Businesses
18
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 1916
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18817, East Smithfield, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 119 (100%) |
| Owner Occupied HU | 96 (80.7%) |
| Renter Occupied HU | 20 (16.8%) |
| Vacant Housing Units | 3 ( 2.5%) |
| Median Home Value | $266,667 |
| Average Home Value | $300,703 |
Housing Distribution
Address Breakdown
Residential
38
Single Family
38
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Northern Mountains of Pennsylvania MLS
Mls ID: #31727465