428 E Main StMiddleburgPA17842
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 428 E Main St, Middleburg, PA, 17842 in Middleburg hard to pass up. The 12.34% gross yield on a $178,000 purchase results in $1,830/mo in rent and $664/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.29). Annual cash flow of $7,963, five-year appreciation of $49,178, and $1,639/yr in equity build-up combine for a projected total cumulative return of $110,507.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.2% |
| Monthly Cash Flow | $664 | $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 | $1,830 |
| Total Monthly Debt Service | $1,096 |
| 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.
Single Family
Built in 1900
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17842, Middleburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,812 (100%) |
| Owner Occupied HU | 2,735 (71.7%) |
| Renter Occupied HU | 824 (21.6%) |
| Vacant Housing Units | 253 ( 6.6%) |
| Median Home Value | $226,788 |
| Average Home Value | $255,203 |
Housing Distribution
Address Breakdown
Residential
3,465
Single Family
3,465
Multi-Family
0
Businesses
199
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
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17842, Middleburg, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,812 (100%) |
| Owner Occupied HU | 2,735 (71.7%) |
| Renter Occupied HU | 824 (21.6%) |
| Vacant Housing Units | 253 ( 6.6%) |
| Median Home Value | $226,788 |
| Average Home Value | $255,203 |
Housing Distribution
Address Breakdown
Residential
3,465
Single Family
3,465
Multi-Family
0
Businesses
199
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JERILYN KATHERMAN • EXP Realty, LLC
Mls Name: CSVBOR
Mls ID: #20-100823
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.