148 S 3rd StSaint ClairPA17970
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 148 S 3rd St, Saint Clair, PA, 17970 in Saint Clair hard to pass up. The 11.76% gross yield on a $155,000 purchase results in $1,519/mo in rent and $504/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.18). Annual cash flow of $6,042, five-year appreciation of $42,824, and $1,428/yr in equity build-up combine for a projected total cumulative return of $91,398.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $504 | $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 | $1,519 |
| Total Monthly Debt Service | $954 |
| DSCR Ratio | 1.59x |
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 1939
1,742 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17970, Saint Clair, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,723 (100%) |
| Owner Occupied HU | 1,024 (59.4%) |
| Renter Occupied HU | 393 (22.8%) |
| Vacant Housing Units | 306 (17.8%) |
| Median Home Value | $86,111 |
| Average Home Value | $131,870 |
Housing Distribution
Address Breakdown
Residential
1,500
Single Family
1,478
Multi-Family
22
Businesses
125
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 1939
1,742 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 17970, Saint Clair, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,723 (100%) |
| Owner Occupied HU | 1,024 (59.4%) |
| Renter Occupied HU | 393 (22.8%) |
| Vacant Housing Units | 306 (17.8%) |
| Median Home Value | $86,111 |
| Average Home Value | $131,870 |
Housing Distribution
Address Breakdown
Residential
1,500
Single Family
1,478
Multi-Family
22
Businesses
125
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PASK2028028