42 W 4th StOil CityPA16301
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 42 W 4th St, Oil City, PA, 16301 in Oil City is straightforward: $105,000 in, $1,078/mo in rent, $390/mo out after debt service. The 12.32% gross yield and 2.28 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $29,010 by year five. With $967/yr in principal equity, the total cumulative return is projected at $65,091.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.2% |
| Monthly Cash Flow | $390 | $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 | $1,078 |
| Total Monthly Debt Service | $646 |
| DSCR Ratio | 1.67x |
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.
Multi Family
Built in 1908
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16301, Oil City, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,861 (100%) |
| Owner Occupied HU | 4,366 (55.5%) |
| Renter Occupied HU | 2,013 (25.6%) |
| Vacant Housing Units | 1,482 (18.9%) |
| Median Home Value | $101,651 |
| Average Home Value | $144,602 |
Housing Distribution
Address Breakdown
Residential
6,788
Single Family
6,388
Multi-Family
400
Businesses
401
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
Multi Family
Built in 1908
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16301, Oil City, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,861 (100%) |
| Owner Occupied HU | 4,366 (55.5%) |
| Renter Occupied HU | 2,013 (25.6%) |
| Vacant Housing Units | 1,482 (18.9%) |
| Median Home Value | $101,651 |
| Average Home Value | $144,602 |
Housing Distribution
Address Breakdown
Residential
6,788
Single Family
6,388
Multi-Family
400
Businesses
401
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jason Rockwell • ERA JOHNSON REAL ESTATE INC.
Mls Name: WPMLS
Mls Provider:
Mls ID: #1684664
Disclaimer: IDX 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.