894 Spring Hill RdSterlingPA18463
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.71% yield at 894 Spring Hill Rd, Sterling, PA, 18463 in Sterling is solid, but the $1,237/mo payment compresses net cash flow to $195/mo at $275,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $75,977 by year five, and $2,533/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.61) without U.S. income documentation. Total projected return: $117,231.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $195 | $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 | $1,997 |
| Total Monthly Debt Service | $1,693 |
| DSCR Ratio | 1.18x |
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 2004
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18463, Sterling, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 211 (100%) |
| Owner Occupied HU | 148 (70.1%) |
| Renter Occupied HU | 28 (13.3%) |
| Vacant Housing Units | 35 (16.6%) |
| Median Home Value | $283,333 |
| Average Home Value | $310,591 |
Housing Distribution
Address Breakdown
Residential
62
Single Family
62
Multi-Family
0
Businesses
14
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 2004
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18463, Sterling, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 211 (100%) |
| Owner Occupied HU | 148 (70.1%) |
| Renter Occupied HU | 28 (13.3%) |
| Vacant Housing Units | 35 (16.6%) |
| Median Home Value | $283,333 |
| Average Home Value | $310,591 |
Housing Distribution
Address Breakdown
Residential
62
Single Family
62
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices