130 Ramapo TrlAllentownPA18104
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 130 Ramapo Trl, Allentown, PA, 18104 in Allentown at $410,000 earns $2,714/mo in rent and nets $78/mo after the $1,844/mo payment, a 8.14% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $113,275 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $3,776/yr in principal paydown, total projected return reaches $156,989.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.2% |
| Monthly Cash Flow | $78 | $850 |
City averages based on Allentown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,714 |
| Total Monthly Debt Service | $2,539 |
| DSCR Ratio | 1.07x |
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 1998
4,007 sqft lot
$N/A/sqft
$180 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18104, Allentown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,752 (100%) |
| Owner Occupied HU | 13,014 (65.9%) |
| Renter Occupied HU | 5,738 (29.1%) |
| Vacant Housing Units | 1,000 ( 5.1%) |
| Median Home Value | $383,839 |
| Average Home Value | $413,014 |
Housing Distribution
Address Breakdown
Residential
19,253
Single Family
16,764
Multi-Family
2,489
Businesses
1,144
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 1998
4,007 sqft lot
$N/A/sqft
$180 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18104, Allentown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,752 (100%) |
| Owner Occupied HU | 13,014 (65.9%) |
| Renter Occupied HU | 5,738 (29.1%) |
| Vacant Housing Units | 1,000 ( 5.1%) |
| Median Home Value | $383,839 |
| Average Home Value | $413,014 |
Housing Distribution
Address Breakdown
Residential
19,253
Single Family
16,764
Multi-Family
2,489
Businesses
1,144
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Sitoski • Realty One Group Supreme
Mls Name: GLVR
Mls Provider:
Mls ID: #759464
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.