1205 Wharton StPhiladelphiaPA19147
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1205 Wharton St, Philadelphia, PA, 19147 in Philadelphia is priced for appreciation, not yield. Rental yield 5.1%. At $985,000 with a 5.1% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $272,137 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.95) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $229,104.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.8% |
| Monthly Cash Flow | $(2,269) | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,186 |
| Total Monthly Debt Service | $6,063 |
| DSCR Ratio | 0.69x |
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.
Townhouse
Built in 1915
1,272 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19147, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,039 (100%) |
| Owner Occupied HU | 10,000 (45.4%) |
| Renter Occupied HU | 10,052 (45.6%) |
| Vacant Housing Units | 1,987 ( 9.0%) |
| Median Home Value | $567,746 |
| Average Home Value | $608,850 |
Housing Distribution
Address Breakdown
Residential
19,859
Single Family
15,182
Multi-Family
4,677
Businesses
1,768
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
Townhouse
Built in 1915
1,272 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19147, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,039 (100%) |
| Owner Occupied HU | 10,000 (45.4%) |
| Renter Occupied HU | 10,052 (45.6%) |
| Vacant Housing Units | 1,987 ( 9.0%) |
| Median Home Value | $567,746 |
| Average Home Value | $608,850 |
Housing Distribution
Address Breakdown
Residential
19,859
Single Family
15,182
Multi-Family
4,677
Businesses
1,768
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PAPH2590494