317 Craig StGallitzinPA16641
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 317 Craig St, Gallitzin, PA, 16641 in Gallitzin is narrow, $171/mo net on $1,151/mo rent after the $672/mo debt service, but the property operates at break-even-plus, not a loss. At $149,500 with a 9.24% yield, the long-run equity case via 5% appreciation ($41,304 over five years) and $1,377/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $68,016.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $171 | $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 | $1,151 |
| Total Monthly Debt Service | $920 |
| 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 1900
9,583 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 1900
9,583 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: Craig Calvetti • Lang Real Estate
Mls Name: AHAR
Mls ID: #78661