138 Cumberland StBerlinPA15530
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 138 Cumberland St, Berlin, PA, 15530 in Berlin, $231,000, 7.88% gross yield, $3/mo net income. Consider it a market-entry position, the $1,517/mo rent covers the $1,039/mo payment with a margin, and 5%/yr appreciation is projected to add $63,821 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.46) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $88,154.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $3 | $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 | $1,517 |
| Total Monthly Debt Service | $1,422 |
| DSCR Ratio | 1.07x |
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 1942
0.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15530, Berlin, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,291 (100%) |
| Owner Occupied HU | 1,635 (71.4%) |
| Renter Occupied HU | 440 (19.2%) |
| Vacant Housing Units | 216 ( 9.4%) |
| Median Home Value | $190,804 |
| Average Home Value | $238,483 |
Housing Distribution
Address Breakdown
Residential
2,096
Single Family
2,031
Multi-Family
65
Businesses
112
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 1942
0.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15530, Berlin, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,291 (100%) |
| Owner Occupied HU | 1,635 (71.4%) |
| Renter Occupied HU | 440 (19.2%) |
| Vacant Housing Units | 216 ( 9.4%) |
| Median Home Value | $190,804 |
| Average Home Value | $238,483 |
Housing Distribution
Address Breakdown
Residential
2,096
Single Family
2,031
Multi-Family
65
Businesses
112
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: WPMLS
Mls ID: #1755265