4395 Center Aly #119Homer CityPA15748
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 4395 Center Aly #119, Homer City, PA, 15748 in Homer City the bet is firmly on appreciation. Rental yield 2.4%. The 2.4% gross yield on a $417,500 price is below income-first thresholds, but 5%/yr value growth projects $115,348 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.44) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $36,620.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.4% | 6.2% |
| Monthly Cash Flow | $(1,902) | $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 | $834 |
| Total Monthly Debt Service | $2,570 |
| DSCR Ratio | 0.32x |
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 2012
3.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15748, Homer City, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,178 (100%) |
| Owner Occupied HU | 2,260 (71.1%) |
| Renter Occupied HU | 593 (18.7%) |
| Vacant Housing Units | 325 (10.2%) |
| Median Home Value | $165,957 |
| Average Home Value | $207,573 |
Housing Distribution
Address Breakdown
Residential
2,901
Single Family
2,876
Multi-Family
25
Businesses
157
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 2012
3.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15748, Homer City, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,178 (100%) |
| Owner Occupied HU | 2,260 (71.1%) |
| Renter Occupied HU | 593 (18.7%) |
| Vacant Housing Units | 325 (10.2%) |
| Median Home Value | $165,957 |
| Average Home Value | $207,573 |
Housing Distribution
Address Breakdown
Residential
2,901
Single Family
2,876
Multi-Family
25
Businesses
157
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Denise Ardisson • REALTY ONE GROUP GOLD STANDARD
Mls Name: WPMLS
Mls Provider:
Mls ID: #1705644
Disclaimer: Listing 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.