157 Cotton StPhiladelphiaPA19127
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Philadelphia rental at 157 Cotton St, Philadelphia, PA, 19127 sits in the solid-income band: 9.88% gross yield, $2,635/mo rent, $538/mo net after the $1,439/mo debt service, DSCR 1.83. Entry price of $320,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $88,410 and $2,947/yr in principal reduction bring total cumulative return to $156,500.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 5.8% |
| Monthly Cash Flow | $538 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,635 |
| Total Monthly Debt Service | $1,970 |
| DSCR Ratio | 1.34x |
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.
Townhouse
Built in 1900
898 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19127, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,034 (100%) |
| Owner Occupied HU | 1,380 (34.2%) |
| Renter Occupied HU | 2,223 (55.1%) |
| Vacant Housing Units | 431 (10.7%) |
| Median Home Value | $352,736 |
| Average Home Value | $437,197 |
Housing Distribution
Address Breakdown
Residential
3,681
Single Family
2,795
Multi-Family
886
Businesses
398
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
Townhouse
Built in 1900
898 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19127, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,034 (100%) |
| Owner Occupied HU | 1,380 (34.2%) |
| Renter Occupied HU | 2,223 (55.1%) |
| Vacant Housing Units | 431 (10.7%) |
| Median Home Value | $352,736 |
| Average Home Value | $437,197 |
Housing Distribution
Address Breakdown
Residential
3,681
Single Family
2,795
Multi-Family
886
Businesses
398
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Adam Finestone • Compass RE
Mls Name: Bright MLS
Mls ID: #PAPH2524138