2118 S Shields StPhiladelphiaPA19142
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2118 S Shields St, Philadelphia, PA, 19142 in Philadelphia at $125,000 earns $963/mo in rent and nets $144/mo after the $562/mo payment, a 9.24% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $34,535 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $1,151/yr in principal paydown, total projected return reaches $56,887.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.8% |
| Monthly Cash Flow | $144 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $963 |
| Total Monthly Debt Service | $769 |
| DSCR Ratio | 1.25x |
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 1920
757 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19142, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,919 (100%) |
| Owner Occupied HU | 4,934 (45.2%) |
| Renter Occupied HU | 4,751 (43.5%) |
| Vacant Housing Units | 1,234 (11.3%) |
| Median Home Value | $118,617 |
| Average Home Value | $191,888 |
Housing Distribution
Address Breakdown
Residential
10,544
Single Family
10,347
Multi-Family
197
Businesses
697
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 1920
757 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19142, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,919 (100%) |
| Owner Occupied HU | 4,934 (45.2%) |
| Renter Occupied HU | 4,751 (43.5%) |
| Vacant Housing Units | 1,234 (11.3%) |
| Median Home Value | $118,617 |
| Average Home Value | $191,888 |
Housing Distribution
Address Breakdown
Residential
10,544
Single Family
10,347
Multi-Family
197
Businesses
697
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Cohen • KW Empower
Mls Name: Bright MLS
Mls ID: #PAPH2521522