2321 Mountain StPhiladelphiaPA19145
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.5% yield at 2321 Mountain St, Philadelphia, PA, 19145 in Philadelphia is solid, but the $1,279/mo payment compresses net cash flow to $151/mo at $284,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $78,602 by year five, and $2,620/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.58) without U.S. income documentation. Total projected return: $118,094.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.8% |
| Monthly Cash Flow | $151 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,015 |
| Total Monthly Debt Service | $1,751 |
| DSCR Ratio | 1.15x |
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 1925
667 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19145, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,215 (100%) |
| Owner Occupied HU | 11,323 (53.4%) |
| Renter Occupied HU | 8,051 (37.9%) |
| Vacant Housing Units | 1,841 ( 8.7%) |
| Median Home Value | $346,099 |
| Average Home Value | $385,199 |
Housing Distribution
Address Breakdown
Residential
20,285
Single Family
18,834
Multi-Family
1,451
Businesses
1,220
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 1925
667 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19145, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,215 (100%) |
| Owner Occupied HU | 11,323 (53.4%) |
| Renter Occupied HU | 8,051 (37.9%) |
| Vacant Housing Units | 1,841 ( 8.7%) |
| Median Home Value | $346,099 |
| Average Home Value | $385,199 |
Housing Distribution
Address Breakdown
Residential
20,285
Single Family
18,834
Multi-Family
1,451
Businesses
1,220
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Murphy • Compass RE
Mls Name: Bright MLS
Mls ID: #PAPH2524744