521 N Irving AveScrantonPA18510
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 521 N Irving Ave, Scranton, PA, 18510 in Scranton is listed at $185,000 and delivers $1,451/mo in rent and $239/mo in net monthly cash flow. The 9.41% yield and 1.74 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $51,112 over five years, and $1,704/yr in principal reduction supplements cash return. Total projected cumulative return: $85,841.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.2% |
| Monthly Cash Flow | $239 | $450 |
City averages based on Scranton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,451 |
| Total Monthly Debt Service | $1,139 |
| DSCR Ratio | 1.27x |
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
4,160 sqft lot
$N/A/sqft
No HOA
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
4,160 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeffrey Gustinucci • Coldwell Banker Town & Country Properties
Mls Name: Luzerne County AOR
Mls ID: #25-4856