357 Walnut StHowardPA16841
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 357 Walnut St, Howard, PA, 16841 in Howard speaks for itself: 11.51% gross on a $199,000 price, generating $1,908/mo in rent and $604/mo in net income after the $895/mo debt service. DSCR 2.13, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,248 stacks alongside $54,980 in projected five-year appreciation and $1,833/yr in principal reduction. Projected total cumulative return: $114,618.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $604 | $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 | $1,908 |
| Total Monthly Debt Service | $1,225 |
| DSCR Ratio | 1.56x |
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 1860
10,019 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16841, Howard, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,366 (100%) |
| Owner Occupied HU | 1,760 (74.4%) |
| Renter Occupied HU | 342 (14.5%) |
| Vacant Housing Units | 264 (11.2%) |
| Median Home Value | $307,295 |
| Average Home Value | $371,920 |
Housing Distribution
Address Breakdown
Residential
1,970
Single Family
1,970
Multi-Family
0
Businesses
80
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 1860
10,019 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16841, Howard, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,366 (100%) |
| Owner Occupied HU | 1,760 (74.4%) |
| Renter Occupied HU | 342 (14.5%) |
| Vacant Housing Units | 264 (11.2%) |
| Median Home Value | $307,295 |
| Average Home Value | $371,920 |
Housing Distribution
Address Breakdown
Residential
1,970
Single Family
1,970
Multi-Family
0
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erin Calandra Witmer • Kissinger, Bigatel & Brower
Mls Name: Bright MLS
Mls ID: #PACE2514724