428 Pennsylvania AveMount GretnaPA17064
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 428 Pennsylvania Ave, Mount Gretna, PA, 17064 in Mount Gretna is capital appreciation. Rental yield 3.84%. The 3.84% gross yield at $399,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $110,485 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.71) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $53,905.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.2% |
| Monthly Cash Flow | $(1,543) | $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 | $1,280 |
| Total Monthly Debt Service | $2,664 |
| DSCR Ratio | 0.48x |
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 1925
3,049 sqft lot
$N/A/sqft
$2,432 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17064, Mount Gretna, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 572 (100%) |
| Owner Occupied HU | 333 (58.2%) |
| Renter Occupied HU | 33 ( 5.8%) |
| Vacant Housing Units | 206 (36.0%) |
| Median Home Value | $323,913 |
| Average Home Value | $331,141 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
46
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 1925
3,049 sqft lot
$N/A/sqft
$2,432 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17064, Mount Gretna, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 572 (100%) |
| Owner Occupied HU | 333 (58.2%) |
| Renter Occupied HU | 33 ( 5.8%) |
| Vacant Housing Units | 206 (36.0%) |
| Median Home Value | $323,913 |
| Average Home Value | $331,141 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices