855 S Main StUnion DalePA18470
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 855 S Main St, Union Dale, PA, 18470 in Union Dale is listed at $201,400 and delivers $1,532/mo in rent and $213/mo in net monthly cash flow. The 9.13% yield and 1.69 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $55,643 over five years, and $1,855/yr in principal reduction supplements cash return. Total projected cumulative return: $90,387.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $213 | $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 | $1,532 |
| Total Monthly Debt Service | $1,240 |
| DSCR Ratio | 1.24x |
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.
Single Family
Built in 1950
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18470, Union Dale, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,577 (100%) |
| Owner Occupied HU | 867 (55.0%) |
| Renter Occupied HU | 132 ( 8.4%) |
| Vacant Housing Units | 578 (36.7%) |
| Median Home Value | $305,897 |
| Average Home Value | $356,534 |
Housing Distribution
Address Breakdown
Residential
1,056
Single Family
1,056
Multi-Family
0
Businesses
42
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
Single Family
Built in 1950
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18470, Union Dale, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,577 (100%) |
| Owner Occupied HU | 867 (55.0%) |
| Renter Occupied HU | 132 ( 8.4%) |
| Vacant Housing Units | 578 (36.7%) |
| Median Home Value | $305,897 |
| Average Home Value | $356,534 |
Housing Distribution
Address Breakdown
Residential
1,056
Single Family
1,056
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: The Karissa Chamberlain & Benny Diaz Team • Keller Williams Real Estate-Clarks Summit
Mls Name: GSBR
Mls Provider:
Mls ID: #SC250154
Disclaimer: Information provided by the Greater Scranton Board of REALTORS MLS. Information is for consumers personal noncommercial use, and may not be used for any purpose other than identifying properties which consumers may be interested in purchasing. Consult the specific municipality for permitted Zoning uses.