642 Valley AveAtglenPA19310
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 642 Valley Ave, Atglen, PA, 19310 in Atglen is narrow, $97/mo net on $1,637/mo rent after the $1,114/mo debt service, but the property operates at break-even-plus, not a loss. At $235,000 with a 8.36% yield, the long-run equity case via 5% appreciation ($64,926 over five years) and $1,970/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $91,343.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $97 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,637 |
| Total Monthly Debt Service | $1,504 |
| DSCR Ratio | 1.09x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1900
4,950 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19310, Atglen, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,034 (100%) |
| Owner Occupied HU | 750 (72.5%) |
| Renter Occupied HU | 241 (23.3%) |
| Vacant Housing Units | 43 ( 4.2%) |
| Median Home Value | $388,202 |
| Average Home Value | $470,917 |
Housing Distribution
Address Breakdown
Residential
884
Single Family
884
Multi-Family
0
Businesses
58
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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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Listed by: Melissa Roop-Pennypacker • New Precision Realty
Mls Name: Bright MLS
Mls Provider:
Mls ID: #PACT2138638
