55 Smithman St, Oil City, PA, 16301 | $120/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Oil City at 55 Smithman St, Oil City, PA, 16301 with 5% annual appreciation on a $159,900 basis while $1,168/mo rent supports operations. Total monthly income totals $1,168/mo and a $783/mo payment preserves $120/mo for cash returns. Annual cash flow comes to $1,438/yr on $53,007 deployed, and return on cash invested reaches 22.62% in year one. Equity gained on principal adds $1,032/yr, and five-year appreciation sums $44,177 alongside rental yield of 8.77%. Five-year ROI measures 117.87% and total cumulative return in cash totals $62,478.

Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $1,168/mo property income versus a $783/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.

Multi Family

Built in 1900

5,227 sqft lot

$N/A/sqft

No HOA

Neighborhood Data

Neighborhood data shown for ZIP Code: 16301, Oil City, PA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	7,861 (100%)
Owner Occupied HU	4,366 (55.5%)
Renter Occupied HU	2,013 (25.6%)
Vacant Housing Units	1,482 (18.9%)
Median Home Value	$101,651
Average Home Value	$144,602