100 Constitution AveReadingPA19606
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 100 Constitution Ave, Reading, PA, 19606 in Reading is narrow, $192/mo net on $2,509/mo rent after the $1,529/mo debt service, but the property operates at break-even-plus, not a loss. At $340,000 with a 8.6% yield, the long-run equity case via 5% appreciation ($93,936 over five years) and $3,131/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.64 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $147,587.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.2% |
| Monthly Cash Flow | $192 | $450 |
City averages based on Reading market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,509 |
| Total Monthly Debt Service | $2,093 |
| DSCR Ratio | 1.20x |
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 1993
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19606, Reading, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,673 (100%) |
| Owner Occupied HU | 11,127 (75.8%) |
| Renter Occupied HU | 2,972 (20.3%) |
| Vacant Housing Units | 574 ( 3.9%) |
| Median Home Value | $290,366 |
| Average Home Value | $311,369 |
Housing Distribution
Address Breakdown
Residential
13,932
Single Family
13,150
Multi-Family
782
Businesses
612
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 1993
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19606, Reading, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,673 (100%) |
| Owner Occupied HU | 11,127 (75.8%) |
| Renter Occupied HU | 2,972 (20.3%) |
| Vacant Housing Units | 574 ( 3.9%) |
| Median Home Value | $290,366 |
| Average Home Value | $311,369 |
Housing Distribution
Address Breakdown
Residential
13,932
Single Family
13,150
Multi-Family
782
Businesses
612
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ca'Real Johnson • Realty One Group Advocates
Mls Name: Bright MLS
Mls ID: #PABK2058596