1425 Locust St UNIT 7DPhiladelphiaPA19102
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1425 Locust St UNIT 7D, Philadelphia, PA, 19102 in Philadelphia at $265,000 earns $1,901/mo in rent and nets $165/mo after the $1,192/mo payment, a 8.61% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $73,215 over five years. Ziffy Mortgage underwrites this on a 1.59 DSCR without U.S. credit history. With $2,441/yr in principal paydown, total projected return reaches $111,487.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.8% |
| Monthly Cash Flow | $165 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,901 |
| Total Monthly Debt Service | $1,631 |
| DSCR Ratio | 1.17x |
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: Lauren Morihara • Compass RE
Mls Name: Bright MLS
Mls ID: #PAPH2494370