355 Horseshoe DrPenfieldPA15849
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow355 Horseshoe Dr, Penfield, PA, 15849 in Penfield is a solid income-producing rental, 10.62% gross yield, $1,283/mo rent, $333/mo net cash flow on a $145,000 buy. DSCR 1.97 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $40,061 and $1,335/yr in principal reduction project a total cumulative return of $76,642.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.2% |
| Monthly Cash Flow | $333 | $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 | $1,283 |
| Total Monthly Debt Service | $892 |
| DSCR Ratio | 1.44x |
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 N/A
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15849, Penfield, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 821 (100%) |
| Owner Occupied HU | 420 (51.2%) |
| Renter Occupied HU | 95 (11.6%) |
| Vacant Housing Units | 306 (37.3%) |
| Median Home Value | $146,429 |
| Average Home Value | $171,488 |
Housing Distribution
Address Breakdown
Residential
566
Single Family
489
Multi-Family
77
Businesses
43
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 N/A
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15849, Penfield, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 821 (100%) |
| Owner Occupied HU | 420 (51.2%) |
| Renter Occupied HU | 95 (11.6%) |
| Vacant Housing Units | 306 (37.3%) |
| Median Home Value | $146,429 |
| Average Home Value | $171,488 |
Housing Distribution
Address Breakdown
Residential
566
Single Family
489
Multi-Family
77
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A