406 Stoney LnJohnstownPA15905
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 406 Stoney Ln, Johnstown, PA, 15905 in Johnstown at $549,000. Rental yield 6.07%. The 6.07% yield and 1.12 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $151,679 by year five, and $5,056/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $156,181.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.2% |
| Monthly Cash Flow | $(822) | $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 | $2,776 |
| Total Monthly Debt Service | $3,379 |
| DSCR Ratio | 0.82x |
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 1994
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15905, Johnstown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,846 (100%) |
| Owner Occupied HU | 6,725 (68.3%) |
| Renter Occupied HU | 2,048 (20.8%) |
| Vacant Housing Units | 1,073 (10.9%) |
| Median Home Value | $153,828 |
| Average Home Value | $183,997 |
Housing Distribution
Address Breakdown
Residential
9,119
Single Family
8,567
Multi-Family
552
Businesses
392
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 1994
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15905, Johnstown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,846 (100%) |
| Owner Occupied HU | 6,725 (68.3%) |
| Renter Occupied HU | 2,048 (20.8%) |
| Vacant Housing Units | 1,073 (10.9%) |
| Median Home Value | $153,828 |
| Average Home Value | $183,997 |
Housing Distribution
Address Breakdown
Residential
9,119
Single Family
8,567
Multi-Family
552
Businesses
392
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Valerie Gontis • BERKSHIRE HATHAWAY THE PREFERRED REALTY
Mls Name: WPMLS
Mls Provider:
Mls ID: #1709411
Disclaimer: Listing information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.