3262 Route 249Middlebury CenterPA16935
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3262 Route 249, Middlebury Center, PA, 16935 in Middlebury Center at $315,000, 5.07% gross yield, is a market-growth asset. Rental yield 5.07%. The $1,332/mo rent partially funds the $1,416/mo debt service; the core return is the 5%/yr price growth projected to add $87,029 over five years. Ziffy Mortgage's DSCR mortgage (0.94) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $72,886.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.2% |
| Monthly Cash Flow | $(732) | $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 | $1,332 |
| Total Monthly Debt Service | $1,939 |
| DSCR Ratio | 0.69x |
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 1905
3.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16935, Middlebury Center, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 730 (100%) |
| Owner Occupied HU | 474 (64.9%) |
| Renter Occupied HU | 96 (13.2%) |
| Vacant Housing Units | 160 (21.9%) |
| Median Home Value | $230,822 |
| Average Home Value | $242,489 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
24
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 1905
3.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16935, Middlebury Center, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 730 (100%) |
| Owner Occupied HU | 474 (64.9%) |
| Renter Occupied HU | 96 (13.2%) |
| Vacant Housing Units | 160 (21.9%) |
| Median Home Value | $230,822 |
| Average Home Value | $242,489 |
Housing Distribution
Address Breakdown
Residential
491
Single Family
491
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Root • Mountain Valley Realty, Inc.
Mls Name: Northern Mountains of Pennsylvania MLS
Mls Provider:
Mls ID: #31721717
Disclaimer: Copyright North Central Penn Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.