2480 Emerald StPhiladelphiaPA19125
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2480 Emerald St, Philadelphia, PA, 19125 in Philadelphia is capital appreciation. Rental yield 4.51%. The 4.51% gross yield at $560,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $154,718 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.84) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $112,525.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.8% |
| Monthly Cash Flow | $(1,566) | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,104 |
| Total Monthly Debt Service | $3,447 |
| DSCR Ratio | 0.61x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
2,100 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19125, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,773 (100%) |
| Owner Occupied HU | 7,524 (50.9%) |
| Renter Occupied HU | 5,351 (36.2%) |
| Vacant Housing Units | 1,898 (12.8%) |
| Median Home Value | $416,895 |
| Average Home Value | $467,064 |
Housing Distribution
Address Breakdown
Residential
13,927
Single Family
11,703
Multi-Family
2,224
Businesses
948
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 N/A
2,100 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19125, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,773 (100%) |
| Owner Occupied HU | 7,524 (50.9%) |
| Renter Occupied HU | 5,351 (36.2%) |
| Vacant Housing Units | 1,898 (12.8%) |
| Median Home Value | $416,895 |
| Average Home Value | $467,064 |
Housing Distribution
Address Breakdown
Residential
13,927
Single Family
11,703
Multi-Family
2,224
Businesses
948
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PAPH2595704