91 Route 349GainesPA16921
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 91 Route 349, Gaines, PA, 16921 in Gaines is narrow, $93/mo net on $1,135/mo rent after the $715/mo debt service, but the property operates at break-even-plus, not a loss. At $159,000 with a 8.57% yield, the long-run equity case via 5% appreciation ($43,929 over five years) and $1,464/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $66,563.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $93 | $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 | $1,135 |
| Total Monthly Debt Service | $979 |
| DSCR Ratio | 1.16x |
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 1901
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16921, Gaines, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 729 (100%) |
| Owner Occupied HU | 174 (23.9%) |
| Renter Occupied HU | 46 ( 6.3%) |
| Vacant Housing Units | 509 (69.8%) |
| Median Home Value | $230,952 |
| Average Home Value | $339,986 |
Housing Distribution
Address Breakdown
Residential
272
Single Family
272
Multi-Family
0
Businesses
16
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 1901
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 16921, Gaines, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 729 (100%) |
| Owner Occupied HU | 174 (23.9%) |
| Renter Occupied HU | 46 ( 6.3%) |
| Vacant Housing Units | 509 (69.8%) |
| Median Home Value | $230,952 |
| Average Home Value | $339,986 |
Housing Distribution
Address Breakdown
Residential
272
Single Family
272
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christine Mountz • Howard Hanna Professionals-Coudersport
Mls Name: Northern Mountains of Pennsylvania MLS
Mls Provider:
Mls ID: #31721666
Disclaimer: Copyright North Central Penn Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.