312 Grant StGallitzinPA16641
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play312 Grant St, Gallitzin, PA, 16641 in Gallitzin is priced for appreciation, not yield. Rental yield 4.66%. At $169,900 with a 4.66% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $46,940 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.86) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $35,559.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.2% |
| Monthly Cash Flow | $(453) | $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 | $660 |
| Total Monthly Debt Service | $1,046 |
| DSCR Ratio | 0.63x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1976
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16641, Gallitzin, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,100 (100%) |
| Owner Occupied HU | 790 (71.8%) |
| Renter Occupied HU | 168 (15.3%) |
| Vacant Housing Units | 142 (12.9%) |
| Median Home Value | $151,695 |
| Average Home Value | $233,085 |
Housing Distribution
Address Breakdown
Residential
1,068
Single Family
1,033
Multi-Family
35
Businesses
45
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 1976
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16641, Gallitzin, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,100 (100%) |
| Owner Occupied HU | 790 (71.8%) |
| Renter Occupied HU | 168 (15.3%) |
| Vacant Housing Units | 142 (12.9%) |
| Median Home Value | $151,695 |
| Average Home Value | $233,085 |
Housing Distribution
Address Breakdown
Residential
1,068
Single Family
1,033
Multi-Family
35
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: AHAR
Mls ID: #80121