35K & 35M Heatherhill RdBear CreekPA18602
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 35K & 35M Heatherhill Rd, Bear Creek, PA, 18602 in Bear Creek. Priced at $129,900, it generates $1,663/mo in gross rent and $812/mo in net monthly cash flow, a 15.36% yield that comfortably supports the 2.85 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,744. Five-year appreciation: $35,889. Equity from principal paydown: $1,196/yr. Total projected cumulative return: $101,720.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.4% | 6.2% |
| Monthly Cash Flow | $812 | $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 | $1,663 |
| Total Monthly Debt Service | $800 |
| DSCR Ratio | 2.08x |
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.
Lot
Built in N/A
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18602, Bear Creek, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 153 (100%) |
| Owner Occupied HU | 114 (74.5%) |
| Renter Occupied HU | 10 ( 6.5%) |
| Vacant Housing Units | 29 (19.0%) |
| Median Home Value | $315,909 |
| Average Home Value | $341,425 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
11
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
Lot
Built in N/A
4 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18602, Bear Creek, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 153 (100%) |
| Owner Occupied HU | 114 (74.5%) |
| Renter Occupied HU | 10 ( 6.5%) |
| Vacant Housing Units | 29 (19.0%) |
| Median Home Value | $315,909 |
| Average Home Value | $341,425 |
Housing Distribution
Address Breakdown
Residential
0
Single Family
0
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices