4563 Elton RdJohnstownPA15904
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4563 Elton Rd, Johnstown, PA, 15904 in Johnstown at $319,900, 4.93% gross yield, is a market-growth asset. Rental yield 4.93%. The $1,314/mo rent partially funds the $1,438/mo debt service; the core return is the 5%/yr price growth projected to add $88,382 over five years. Ziffy Mortgage's DSCR mortgage (0.91) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $71,531.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(782) | $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 | $1,314 |
| Total Monthly Debt Service | $1,969 |
| DSCR Ratio | 0.67x |
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 1999
2.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15904, Johnstown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,206 (100%) |
| Owner Occupied HU | 4,883 (67.8%) |
| Renter Occupied HU | 1,737 (24.1%) |
| Vacant Housing Units | 586 ( 8.1%) |
| Median Home Value | $189,059 |
| Average Home Value | $224,818 |
Housing Distribution
Address Breakdown
Residential
6,976
Single Family
6,289
Multi-Family
687
Businesses
848
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 1999
2.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15904, Johnstown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,206 (100%) |
| Owner Occupied HU | 4,883 (67.8%) |
| Renter Occupied HU | 1,737 (24.1%) |
| Vacant Housing Units | 586 ( 8.1%) |
| Median Home Value | $189,059 |
| Average Home Value | $224,818 |
Housing Distribution
Address Breakdown
Residential
6,976
Single Family
6,289
Multi-Family
687
Businesses
848
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ralph Rossi • PERRY WELLINGTON REALTY
Mls Name: CSMLS
Mls ID: #96036872