215 N Penn StPottstownPA19464
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 215 N Penn St, Pottstown, PA, 19464 in Pottstown at $155,000 earns $1,208/mo in rent and nets $192/mo after the $697/mo payment, a 9.35% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $42,824 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $1,428/yr in principal paydown, total projected return reaches $71,382.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.8% |
| Monthly Cash Flow | $192 | $320 |
City averages based on Pottstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,208 |
| Total Monthly Debt Service | $954 |
| DSCR Ratio | 1.27x |
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 1938
1,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19464, Pottstown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,264 (100%) |
| Owner Occupied HU | 13,243 (62.3%) |
| Renter Occupied HU | 6,671 (31.4%) |
| Vacant Housing Units | 1,350 ( 6.3%) |
| Median Home Value | $315,178 |
| Average Home Value | $369,942 |
Housing Distribution
Address Breakdown
Residential
20,087
Single Family
18,515
Multi-Family
1,572
Businesses
1,604
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 1938
1,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19464, Pottstown, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,264 (100%) |
| Owner Occupied HU | 13,243 (62.3%) |
| Renter Occupied HU | 6,671 (31.4%) |
| Vacant Housing Units | 1,350 ( 6.3%) |
| Median Home Value | $315,178 |
| Average Home Value | $369,942 |
Housing Distribution
Address Breakdown
Residential
20,087
Single Family
18,515
Multi-Family
1,572
Businesses
1,604
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Beth Frick • Keller Williams Realty Devon-Wayne
Mls Name: Bright MLS
Mls ID: #PAMC2151658