1205 Windsor StReadingPA19604
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1205 Windsor St, Reading, PA, 19604 in Reading is narrow, $145/mo net on $1,717/mo rent after the $1,079/mo debt service, but the property operates at break-even-plus, not a loss. At $239,900 with a 8.59% yield, the long-run equity case via 5% appreciation ($66,280 over five years) and $2,210/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $100,701.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.2% |
| Monthly Cash Flow | $145 | $450 |
City averages based on Reading market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,717 |
| Total Monthly Debt Service | $1,477 |
| DSCR Ratio | 1.16x |
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.
Multi Family
Built in 1910
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19604, Reading, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,028 (100%) |
| Owner Occupied HU | 4,658 (46.4%) |
| Renter Occupied HU | 4,695 (46.8%) |
| Vacant Housing Units | 675 ( 6.7%) |
| Median Home Value | $117,611 |
| Average Home Value | $181,341 |
Housing Distribution
Address Breakdown
Residential
8,821
Single Family
8,006
Multi-Family
815
Businesses
378
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
Multi Family
Built in 1910
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19604, Reading, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,028 (100%) |
| Owner Occupied HU | 4,658 (46.4%) |
| Renter Occupied HU | 4,695 (46.8%) |
| Vacant Housing Units | 675 ( 6.7%) |
| Median Home Value | $117,611 |
| Average Home Value | $181,341 |
Housing Distribution
Address Breakdown
Residential
8,821
Single Family
8,006
Multi-Family
815
Businesses
378
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joe Colon • Coldwell Banker Realty
Mls Name: Bright MLS
Mls ID: #PABK2061994