127 N 5th StReadingPA19601
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 127 N 5th St, Reading, PA, 19601 in Reading. Priced at $239,000, it generates $2,252/mo in gross rent and $686/mo in net monthly cash flow, a 11.31% yield that comfortably supports the 2.09 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,235. Five-year appreciation: $66,031. Equity from principal paydown: $2,201/yr. Total projected cumulative return: $135,133.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 7.2% |
| Monthly Cash Flow | $686 | $450 |
City averages based on Reading market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,252 |
| Total Monthly Debt Service | $1,471 |
| DSCR Ratio | 1.53x |
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 1900
3,920 sqft lot
$N/A/sqft
No HOA
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 1900
3,920 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Mr. Anthony Borelli • Century 21 Gold
Mls Name: Bright MLS
Mls ID: #PABK2054584