430 14th AveScrantonPA18504
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 430 14th Ave, Scranton, PA, 18504 in Scranton fits: $187,500, 5.44% gross yield, and a projected 5% annual appreciation rate adding $51,803 in value within five years. Rental yield 5.44%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.14) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $1,727/yr in principal paydown and $51,803 in appreciation project a total return of $54,490.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 7.2% |
| Monthly Cash Flow | $(429) | $450 |
City averages based on Scranton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $965 |
| Total Monthly Debt Service | $1,154 |
| DSCR Ratio | 0.84x |
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.
Multi Family
Built in 1929
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18504, Scranton, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,260 (100%) |
| Owner Occupied HU | 4,767 (46.5%) |
| Renter Occupied HU | 4,024 (39.2%) |
| Vacant Housing Units | 1,469 (14.3%) |
| Median Home Value | $168,363 |
| Average Home Value | $227,392 |
Housing Distribution
Address Breakdown
Residential
8,912
Single Family
8,692
Multi-Family
220
Businesses
463
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 1929
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18504, Scranton, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,260 (100%) |
| Owner Occupied HU | 4,767 (46.5%) |
| Renter Occupied HU | 4,024 (39.2%) |
| Vacant Housing Units | 1,469 (14.3%) |
| Median Home Value | $168,363 |
| Average Home Value | $227,392 |
Housing Distribution
Address Breakdown
Residential
8,912
Single Family
8,692
Multi-Family
220
Businesses
463
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: James W Gilhooley • C21 Jack Ruddy Real Estate
Mls Name: GSBR
Mls Provider:
Mls ID: #SC252288
Disclaimer: Based on information submitted to the MLS GRID as of 2025-10-26 23:07:21 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#409)