492 Main StHallsteadPA18822
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Hallstead rental at 492 Main St, Hallstead, PA, 18822 sits in the solid-income band: 11.29% gross yield, $1,627/mo rent, $494/mo net after the $778/mo debt service, DSCR 2.09. Entry price of $173,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $47,797 and $1,593/yr in principal reduction bring total cumulative return to $97,669.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.2% |
| Monthly Cash Flow | $494 | $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 | $1,627 |
| Total Monthly Debt Service | $1,065 |
| DSCR Ratio | 1.53x |
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 1920
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18822, Hallstead, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,533 (100%) |
| Owner Occupied HU | 934 (60.9%) |
| Renter Occupied HU | 346 (22.6%) |
| Vacant Housing Units | 253 (16.5%) |
| Median Home Value | $196,939 |
| Average Home Value | $256,322 |
Housing Distribution
Address Breakdown
Residential
1,332
Single Family
1,268
Multi-Family
64
Businesses
99
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 1920
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18822, Hallstead, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,533 (100%) |
| Owner Occupied HU | 934 (60.9%) |
| Renter Occupied HU | 346 (22.6%) |
| Vacant Housing Units | 253 (16.5%) |
| Median Home Value | $196,939 |
| Average Home Value | $256,322 |
Housing Distribution
Address Breakdown
Residential
1,332
Single Family
1,268
Multi-Family
64
Businesses
99
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alan and Angie Hall Team • Howard Hanna Real Estate
Mls Name: GSBR
Mls Provider:
Mls ID: #SC252102
Disclaimer: Information provided by the Greater Scranton Board of REALTORS MLS. Information is for consumers personal noncommercial use, and may not be used for any purpose other than identifying properties which consumers may be interested in purchasing. Consult the specific municipality for permitted Zoning uses.