532 Kerner AveSaint MarysPA15857
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 532 Kerner Ave, Saint Marys, PA, 15857 in Saint Marys at $128,000 earns $991/mo in rent and nets $123/mo after the $576/mo payment, a 9.29% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $35,364 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $1,179/yr in principal paydown, total projected return reaches $56,792.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $123 | $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 | $991 |
| Total Monthly Debt Service | $817 |
| DSCR Ratio | 1.21x |
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 1960
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15857, Saint Marys, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,010 (100%) |
| Owner Occupied HU | 4,215 (70.1%) |
| Renter Occupied HU | 1,254 (20.9%) |
| Vacant Housing Units | 541 ( 9.0%) |
| Median Home Value | $186,332 |
| Average Home Value | $221,130 |
Housing Distribution
Address Breakdown
Residential
5,741
Single Family
5,551
Multi-Family
190
Businesses
562
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 1960
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15857, Saint Marys, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,010 (100%) |
| Owner Occupied HU | 4,215 (70.1%) |
| Renter Occupied HU | 1,254 (20.9%) |
| Vacant Housing Units | 541 ( 9.0%) |
| Median Home Value | $186,332 |
| Average Home Value | $221,130 |
Housing Distribution
Address Breakdown
Residential
5,741
Single Family
5,551
Multi-Family
190
Businesses
562
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Harlan Beagley • COLDWELL BANKER DEVELOPAC REALTY
Mls Name: Clearfield Jefferson AOR
Mls Provider:
Mls ID: #16-621
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.