2139 Locust StPhiladelphiaPA19103
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 2139 Locust St, Philadelphia, PA, 19103 in Philadelphia earns a 8.61% gross yield at $1,785,000. Rent of $12,814/mo nets $1,117/mo after the $8,026/mo mortgage. The 1.60 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $493,163 and $16,440/yr in equity accumulation project a total cumulative return of $751,555.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 5.8% |
| Monthly Cash Flow | $1,117 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $12,814 |
| Total Monthly Debt Service | $10,987 |
| 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.
Townhouse
Built in 1905
1,505 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19103, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,227 (100%) |
| Owner Occupied HU | 6,130 (27.6%) |
| Renter Occupied HU | 13,428 (60.4%) |
| Vacant Housing Units | 2,669 (12.0%) |
| Median Home Value | $615,409 |
| Average Home Value | $748,307 |
Housing Distribution
Address Breakdown
Residential
20,720
Single Family
2,282
Multi-Family
18,438
Businesses
2,556
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 1905
1,505 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19103, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,227 (100%) |
| Owner Occupied HU | 6,130 (27.6%) |
| Renter Occupied HU | 13,428 (60.4%) |
| Vacant Housing Units | 2,669 (12.0%) |
| Median Home Value | $615,409 |
| Average Home Value | $748,307 |
Housing Distribution
Address Breakdown
Residential
20,720
Single Family
2,282
Multi-Family
18,438
Businesses
2,556
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices