2326 N 20th StPhiladelphiaPA19132
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2326 N 20th St, Philadelphia, PA, 19132 in Philadelphia is narrow, $106/mo net on $826/mo rent after the $494/mo debt service, but the property operates at break-even-plus, not a loss. At $109,900 with a 9.02% yield, the long-run equity case via 5% appreciation ($30,363 over five years) and $1,012/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.67 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $48,688.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.8% |
| Monthly Cash Flow | $106 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $826 |
| Total Monthly Debt Service | $676 |
| DSCR Ratio | 1.22x |
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 1920
1,209 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19132, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,508 (100%) |
| Owner Occupied HU | 6,217 (35.5%) |
| Renter Occupied HU | 7,694 (43.9%) |
| Vacant Housing Units | 3,597 (20.5%) |
| Median Home Value | $74,407 |
| Average Home Value | $140,055 |
Housing Distribution
Address Breakdown
Residential
15,679
Single Family
14,573
Multi-Family
1,106
Businesses
889
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 1920
1,209 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19132, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,508 (100%) |
| Owner Occupied HU | 6,217 (35.5%) |
| Renter Occupied HU | 7,694 (43.9%) |
| Vacant Housing Units | 3,597 (20.5%) |
| Median Home Value | $74,407 |
| Average Home Value | $140,055 |
Housing Distribution
Address Breakdown
Residential
15,679
Single Family
14,573
Multi-Family
1,106
Businesses
889
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chris Griswold • EXP Realty, LLC
Mls Name: Bright MLS
Mls ID: #PAPH2493582