35 Spruce StKanePA16735
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 35 Spruce St, Kane, PA, 16735 in Kane. Rental yield 6.57%. The 1.22 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $37,851 and $1,262/yr in principal reduction project total return of $40,991.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.6% | 6.2% |
| Monthly Cash Flow | $(176) | $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 | $750 |
| Total Monthly Debt Service | $872 |
| DSCR Ratio | 0.86x |
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
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16735, Kane, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,574 (100%) |
| Owner Occupied HU | 2,157 (60.4%) |
| Renter Occupied HU | 692 (19.4%) |
| Vacant Housing Units | 725 (20.3%) |
| Median Home Value | $91,036 |
| Average Home Value | $127,063 |
Housing Distribution
Address Breakdown
Residential
2,680
Single Family
2,477
Multi-Family
203
Businesses
260
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
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16735, Kane, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,574 (100%) |
| Owner Occupied HU | 2,157 (60.4%) |
| Renter Occupied HU | 692 (19.4%) |
| Vacant Housing Units | 725 (20.3%) |
| Median Home Value | $91,036 |
| Average Home Value | $127,063 |
Housing Distribution
Address Breakdown
Residential
2,680
Single Family
2,477
Multi-Family
203
Businesses
260
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices