20 Garden RdPhiladelphiaNY13673
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Philadelphia rentals match the income profile of 20 Garden Rd, Philadelphia, NY, 13673. Listed at $239,900, gross rent is $2,272/mo and net cash flow is $670/mo, a 11.36% yield well above national averages. DSCR 2.11 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $66,280 by year five with $2,210/yr in annual principal reduction, projecting $134,625 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 6.2% |
| Monthly Cash Flow | $670 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,272 |
| Total Monthly Debt Service | $1,507 |
| DSCR Ratio | 1.51x |
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 1857
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13673, Philadelphia, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,023 (100%) |
| Owner Occupied HU | 472 (46.1%) |
| Renter Occupied HU | 373 (36.5%) |
| Vacant Housing Units | 178 (17.4%) |
| Median Home Value | $218,220 |
| Average Home Value | $274,931 |
Housing Distribution
Address Breakdown
Residential
879
Single Family
879
Multi-Family
0
Businesses
48
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 1857
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 13673, Philadelphia, NY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,023 (100%) |
| Owner Occupied HU | 472 (46.1%) |
| Renter Occupied HU | 373 (36.5%) |
| Vacant Housing Units | 178 (17.4%) |
| Median Home Value | $218,220 |
| Average Home Value | $274,931 |
Housing Distribution
Address Breakdown
Residential
879
Single Family
879
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NYSAMLSs
Mls ID: #S1667972