318 Ayla LnDaltonPA18414
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.36% yield at 318 Ayla Ln, Dalton, PA, 18414 in Dalton is solid, but the $517/mo payment compresses net cash flow to $143/mo at $115,000. 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 $31,772 by year five, and $1,059/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.74) without U.S. income documentation. Total projected return: $53,063.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $143 | $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 | $897 |
| Total Monthly Debt Service | $708 |
| DSCR Ratio | 1.27x |
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 2009
435.60 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18414, Dalton, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,522 (100%) |
| Owner Occupied HU | 1,907 (75.6%) |
| Renter Occupied HU | 348 (13.8%) |
| Vacant Housing Units | 267 (10.6%) |
| Median Home Value | $342,247 |
| Average Home Value | $428,158 |
Housing Distribution
Address Breakdown
Residential
2,125
Single Family
2,125
Multi-Family
0
Businesses
86
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 2009
435.60 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18414, Dalton, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,522 (100%) |
| Owner Occupied HU | 1,907 (75.6%) |
| Renter Occupied HU | 348 (13.8%) |
| Vacant Housing Units | 267 (10.6%) |
| Median Home Value | $342,247 |
| Average Home Value | $428,158 |
Housing Distribution
Address Breakdown
Residential
2,125
Single Family
2,125
Multi-Family
0
Businesses
86
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: TOM RUDDY • Ruddy Realty
Mls Name: GSBR
Mls ID: #SC260365