624 W Main StStoystownPA15563
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 624 W Main St, Stoystown, PA, 15563 in Stoystown: $1,382/mo in rent, $335/mo in net income, 10.37% gross yield, 1.92 DSCR, all at $159,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $44,177 in appreciation and $1,473/yr in principal paydown projects total cumulative return of $82,387.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $335 | $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 | $1,382 |
| Total Monthly Debt Service | $984 |
| DSCR Ratio | 1.40x |
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.
Manufactured
Built in 2004
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15563, Stoystown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,588 (100%) |
| Owner Occupied HU | 1,128 (71.0%) |
| Renter Occupied HU | 182 (11.5%) |
| Vacant Housing Units | 278 (17.5%) |
| Median Home Value | $182,468 |
| Average Home Value | $235,171 |
Housing Distribution
Address Breakdown
Residential
1,283
Single Family
1,255
Multi-Family
28
Businesses
82
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
Manufactured
Built in 2004
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15563, Stoystown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,588 (100%) |
| Owner Occupied HU | 1,128 (71.0%) |
| Renter Occupied HU | 182 (11.5%) |
| Vacant Housing Units | 278 (17.5%) |
| Median Home Value | $182,468 |
| Average Home Value | $235,171 |
Housing Distribution
Address Breakdown
Residential
1,283
Single Family
1,255
Multi-Family
28
Businesses
82
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices