3275 S Main StSandy LakePA16145
INVESTMENT ANALYSIS
Investment Verdict
Solid Income3275 S Main St, Sandy Lake, PA, 16145 in Sandy Lake earns a respectable 8.87% gross yield at $189,000, but after the $896/mo mortgage the net cash flow is $158/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.56) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $52,217 over five years, making equity the dominant return driver. Total projected return: $78,638.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $158 | $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 | $1,397 |
| Total Monthly Debt Service | $1,209 |
| DSCR Ratio | 1.16x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in N/A
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16145, Sandy Lake, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,195 (100%) |
| Owner Occupied HU | 892 (74.6%) |
| Renter Occupied HU | 157 (13.1%) |
| Vacant Housing Units | 146 (12.2%) |
| Median Home Value | $227,317 |
| Average Home Value | $269,106 |
Housing Distribution
Address Breakdown
Residential
1,047
Single Family
1,047
Multi-Family
0
Businesses
89
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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
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Listed by: N/A • N/A
Mls Name: WPMLS
Mls Provider:
Mls ID: #1772110
