1425 Locust St UNIT 11EPhiladelphiaPA19102
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1425 Locust St UNIT 11E, Philadelphia, PA, 19102 in Philadelphia is narrow, $163/mo net on $2,424/mo rent after the $1,551/mo debt service, but the property operates at break-even-plus, not a loss. At $345,000 with a 8.43% yield, the long-run equity case via 5% appreciation ($95,317 over five years) and $3,177/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.56 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $141,909.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.8% |
| Monthly Cash Flow | $163 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,424 |
| Total Monthly Debt Service | $2,123 |
| DSCR Ratio | 1.14x |
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.
Condo
Built in 1900
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19102, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,553 (100%) |
| Owner Occupied HU | 911 (16.4%) |
| Renter Occupied HU | 3,869 (69.7%) |
| Vacant Housing Units | 773 (13.9%) |
| Median Home Value | $562,500 |
| Average Home Value | $677,925 |
Housing Distribution
Address Breakdown
Residential
5,522
Single Family
130
Multi-Family
5,392
Businesses
1,288
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
Condo
Built in 1900
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19102, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,553 (100%) |
| Owner Occupied HU | 911 (16.4%) |
| Renter Occupied HU | 3,869 (69.7%) |
| Vacant Housing Units | 773 (13.9%) |
| Median Home Value | $562,500 |
| Average Home Value | $677,925 |
Housing Distribution
Address Breakdown
Residential
5,522
Single Family
130
Multi-Family
5,392
Businesses
1,288
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andy Oei • BHHS Fox & Roach At the Harper, Rittenhouse Square
Mls Name: Bright MLS
Mls ID: #PAPH2543358