459 Main StConynghamPA18219
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 459 Main St, Conyngham, PA, 18219 in Conyngham: $2,688/mo in rent, $558/mo in net income, 9.92% gross yield, 1.84 DSCR, all at $325,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $89,792 in appreciation and $2,993/yr in principal paydown projects total cumulative return of $159,750.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $558 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,688 |
| Total Monthly Debt Service | $2,000 |
| DSCR Ratio | 1.34x |
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 N/A
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18219, Conyngham, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 182 (100%) |
| Owner Occupied HU | 133 (73.1%) |
| Renter Occupied HU | 45 (24.7%) |
| Vacant Housing Units | 4 ( 2.2%) |
| Median Home Value | $258,553 |
| Average Home Value | $261,429 |
Housing Distribution
Address Breakdown
Residential
644
Single Family
1
Multi-Family
0
Businesses
87
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 N/A
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18219, Conyngham, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 182 (100%) |
| Owner Occupied HU | 133 (73.1%) |
| Renter Occupied HU | 45 (24.7%) |
| Vacant Housing Units | 4 ( 2.2%) |
| Median Home Value | $258,553 |
| Average Home Value | $261,429 |
Housing Distribution
Address Breakdown
Residential
644
Single Family
1
Multi-Family
0
Businesses
87
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Luzerne County AOR
Mls ID: #26-3494