408 Water StRanshawPA17866
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.2% yield at 408 Water St, Ranshaw, PA, 17866 in Ranshaw is solid, but the $562/mo payment compresses net cash flow to $139/mo at $125,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $34,535 by year five, and $1,151/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.70) without U.S. income documentation. Total projected return: $56,551.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $139 | $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 | $958 |
| Total Monthly Debt Service | $769 |
| DSCR Ratio | 1.25x |
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 1900
6,660 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17866, Coal Township, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,066 (100%) |
| Owner Occupied HU | 2,704 (66.5%) |
| Renter Occupied HU | 776 (19.1%) |
| Vacant Housing Units | 586 (14.4%) |
| Median Home Value | $106,852 |
| Average Home Value | $163,876 |
Housing Distribution
Address Breakdown
Residential
3,612
Single Family
3,463
Multi-Family
149
Businesses
140
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 1900
6,660 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17866, Coal Township, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,066 (100%) |
| Owner Occupied HU | 2,704 (66.5%) |
| Renter Occupied HU | 776 (19.1%) |
| Vacant Housing Units | 586 (14.4%) |
| Median Home Value | $106,852 |
| Average Home Value | $163,876 |
Housing Distribution
Address Breakdown
Residential
3,612
Single Family
3,463
Multi-Family
149
Businesses
140
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: LARISSA A. SANTANA • BOWEN AGENCY INC., REALTORS - SUNBURY
Mls Name: CSVBOR
Mls ID: #20-100281