53-55 N Main StMontgomeryPA17752
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 53-55 N Main St, Montgomery, PA, 17752 in Montgomery is narrow, $53/mo net on $1,200/mo rent after the $787/mo debt service, but the property operates at break-even-plus, not a loss. At $175,000 with a 8.23% yield, the long-run equity case via 5% appreciation ($48,349 over five years) and $1,612/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.52 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $70,053.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $53 | $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 | $1,200 |
| Total Monthly Debt Service | $1,077 |
| DSCR Ratio | 1.11x |
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.
Multi Family
Built in 1901
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17752, Montgomery, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,907 (100%) |
| Owner Occupied HU | 1,335 (70.0%) |
| Renter Occupied HU | 441 (23.1%) |
| Vacant Housing Units | 131 ( 6.9%) |
| Median Home Value | $214,013 |
| Average Home Value | $253,903 |
Housing Distribution
Address Breakdown
Residential
1,937
Single Family
1,912
Multi-Family
25
Businesses
100
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
Multi Family
Built in 1901
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17752, Montgomery, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,907 (100%) |
| Owner Occupied HU | 1,335 (70.0%) |
| Renter Occupied HU | 441 (23.1%) |
| Vacant Housing Units | 131 ( 6.9%) |
| Median Home Value | $214,013 |
| Average Home Value | $253,903 |
Housing Distribution
Address Breakdown
Residential
1,937
Single Family
1,912
Multi-Family
25
Businesses
100
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JOSHUA ULMER • Iron Valley Real Estate North Central PA
Mls Name: CSVBOR
Mls ID: #20-101208