6949 Lincoln Way WSaint ThomasPA17252
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $290,000, 6949 Lincoln Way W, Saint Thomas, PA, 17252 in Saint Thomas generates $1,920/mo in rent (7.94% yield) but nets only $20/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.40) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $80,122. Total projected return: $106,270.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $20 | $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 | $1,920 |
| Total Monthly Debt Service | $1,856 |
| DSCR Ratio | 1.03x |
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.
Multi Family
Built in 1914
0.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17252, Saint Thomas, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,520 (100%) |
| Owner Occupied HU | 1,190 (78.3%) |
| Renter Occupied HU | 235 (15.5%) |
| Vacant Housing Units | 95 ( 6.2%) |
| Median Home Value | $241,493 |
| Average Home Value | $266,090 |
Housing Distribution
Address Breakdown
Residential
1,406
Single Family
1,406
Multi-Family
0
Businesses
72
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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: Paul Agosto • Berkshire Hathaway HomeServices Homesale Realty
Mls Name: Bright MLS
Mls Provider:
Mls ID: #PAFL2038618
