720 Joy LnButlerPA16001
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 720 Joy Ln, Butler, PA, 16001 in Butler is narrow, $144/mo net on $832/mo rent after the $472/mo debt service, but the property operates at break-even-plus, not a loss. At $105,000 with a 9.51% yield, the long-run equity case via 5% appreciation ($29,010 over five years) and $967/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.76 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $49,251.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $144 | $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 | $832 |
| Total Monthly Debt Service | $646 |
| DSCR Ratio | 1.29x |
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 1997
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16001, Butler, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,235 (100%) |
| Owner Occupied HU | 12,273 (60.7%) |
| Renter Occupied HU | 6,050 (29.9%) |
| Vacant Housing Units | 1,912 ( 9.4%) |
| Median Home Value | $249,291 |
| Average Home Value | $304,175 |
Housing Distribution
Address Breakdown
Residential
18,684
Single Family
16,716
Multi-Family
1,968
Businesses
1,260
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 1997
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16001, Butler, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,235 (100%) |
| Owner Occupied HU | 12,273 (60.7%) |
| Renter Occupied HU | 6,050 (29.9%) |
| Vacant Housing Units | 1,912 ( 9.4%) |
| Median Home Value | $249,291 |
| Average Home Value | $304,175 |
Housing Distribution
Address Breakdown
Residential
18,684
Single Family
16,716
Multi-Family
1,968
Businesses
1,260
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lorraine DiDomenico • BERKSHIRE HATHAWAY THE PREFERRED REALTY
Mls Name: WPMLS
Mls ID: #1724603