95 Byler RdValierPA15780
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 95 Byler Rd, Valier, PA, 15780 in Valier fits: $1,500,000, 1.57% gross yield, and a projected 5% annual appreciation rate adding $414,422 in value within five years. Rental yield 1.57%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.29) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,815/yr in principal paydown and $414,422 in appreciation project a total return of $64,833.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 6.2% |
| Monthly Cash Flow | $(7,868) | $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 | $1,961 |
| Total Monthly Debt Service | $9,232 |
| DSCR Ratio | 0.21x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15780, Valier, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 79 (100%) |
| Owner Occupied HU | 64 (81.0%) |
| Renter Occupied HU | 9 (11.4%) |
| Vacant Housing Units | 6 ( 7.6%) |
| Median Home Value | $167,857 |
| Average Home Value | $191,016 |
Housing Distribution
Address Breakdown
Residential
70
Single Family
70
Multi-Family
0
Businesses
1
Nearby investment properties with comparable rents
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15780, Valier, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 79 (100%) |
| Owner Occupied HU | 64 (81.0%) |
| Renter Occupied HU | 9 (11.4%) |
| Vacant Housing Units | 6 ( 7.6%) |
| Median Home Value | $167,857 |
| Average Home Value | $191,016 |
Housing Distribution
Address Breakdown
Residential
70
Single Family
70
Multi-Family
0
Businesses
1
Nearby investment properties with comparable rents
Listed by: N/A • N/A
Mls Name: NY State MLS
Mls ID: #11694969