486 Laurel LnNew AlbanyPA18833
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $219,900, 486 Laurel Ln, New Albany, PA, 18833 in New Albany generates $1,604/mo in rent (8.76% yield) but nets only $163/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.62) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $60,754. Total projected return: $94,241.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $163 | $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 | $1,604 |
| Total Monthly Debt Service | $1,353 |
| DSCR Ratio | 1.19x |
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 1982
8.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18833, New Albany, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,197 (100%) |
| Owner Occupied HU | 616 (51.5%) |
| Renter Occupied HU | 156 (13.0%) |
| Vacant Housing Units | 425 (35.5%) |
| Median Home Value | $248,148 |
| Average Home Value | $268,482 |
Housing Distribution
Address Breakdown
Residential
791
Single Family
791
Multi-Family
0
Businesses
14
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 1982
8.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18833, New Albany, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,197 (100%) |
| Owner Occupied HU | 616 (51.5%) |
| Renter Occupied HU | 156 (13.0%) |
| Vacant Housing Units | 425 (35.5%) |
| Median Home Value | $248,148 |
| Average Home Value | $268,482 |
Housing Distribution
Address Breakdown
Residential
791
Single Family
791
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Dickerson • Century 21 Jackson Real Estate - Towanda
Mls Name: Northern Mountains of Pennsylvania MLS
Mls ID: #31723065