327 Cedar AveOil CityPA16301
INVESTMENT ANALYSIS
Investment Verdict
Solid Income327 Cedar Ave, Oil City, PA, 16301 in Oil City earns a respectable 9.02% gross yield at $119,900, but after the $539/mo mortgage the net cash flow is $115/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.67) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $33,126 over five years, making equity the dominant return driver. Total projected return: $53,136.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $115 | $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 | $901 |
| Total Monthly Debt Service | $738 |
| DSCR Ratio | 1.22x |
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 1940
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16301, Oil City, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,861 (100%) |
| Owner Occupied HU | 4,366 (55.5%) |
| Renter Occupied HU | 2,013 (25.6%) |
| Vacant Housing Units | 1,482 (18.9%) |
| Median Home Value | $101,651 |
| Average Home Value | $144,602 |
Housing Distribution
Address Breakdown
Residential
6,788
Single Family
6,388
Multi-Family
400
Businesses
401
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 1940
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16301, Oil City, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,861 (100%) |
| Owner Occupied HU | 4,366 (55.5%) |
| Renter Occupied HU | 2,013 (25.6%) |
| Vacant Housing Units | 1,482 (18.9%) |
| Median Home Value | $101,651 |
| Average Home Value | $144,602 |
Housing Distribution
Address Breakdown
Residential
6,788
Single Family
6,388
Multi-Family
400
Businesses
401
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Linda Carbaugh • Howard Hanna - Rosewood Real Estate
Mls Name: Allegheny Valley BOR
Mls ID: #161950