401 Towanda StWhite HavenPA18661
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 401 Towanda St, White Haven, PA, 18661 in White Haven. At $340,000 it earns $2,808/mo in rent and distributes $580/mo to the owner after the $1,612/mo payment, a consistent 9.91% yield. DSCR 1.74 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $93,936 in value; $2,850/yr in principal paydown compounds ownership stake. Total projected return: $160,412.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $580 | $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 | $2,808 |
| Total Monthly Debt Service | $2,176 |
| DSCR Ratio | 1.29x |
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 1890
4,884 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18661, White Haven, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,246 (100%) |
| Owner Occupied HU | 2,099 (64.7%) |
| Renter Occupied HU | 331 (10.2%) |
| Vacant Housing Units | 816 (25.1%) |
| Median Home Value | $267,490 |
| Average Home Value | $293,311 |
Housing Distribution
Address Breakdown
Residential
2,619
Single Family
2,592
Multi-Family
27
Businesses
135
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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: Luzerne County AOR
Mls ID: #26-4745
