2720 Wharton StPhiladelphiaPA19146
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2720 Wharton St, Philadelphia, PA, 19146 in Philadelphia at $499,999 earns $3,403/mo in rent and nets $127/mo after the $2,248/mo payment, a 8.17% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $138,141 over five years. Ziffy Mortgage underwrites this on a 1.51 DSCR without U.S. credit history. With $4,605/yr in principal paydown, total projected return reaches $198,543.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.8% |
| Monthly Cash Flow | $127 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,403 |
| Total Monthly Debt Service | $3,077 |
| DSCR Ratio | 1.11x |
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 2025
835 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19146, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,243 (100%) |
| Owner Occupied HU | 10,245 (44.1%) |
| Renter Occupied HU | 10,161 (43.7%) |
| Vacant Housing Units | 2,837 (12.2%) |
| Median Home Value | $515,279 |
| Average Home Value | $560,784 |
Housing Distribution
Address Breakdown
Residential
21,414
Single Family
17,485
Multi-Family
3,929
Businesses
973
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 2025
835 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19146, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,243 (100%) |
| Owner Occupied HU | 10,245 (44.1%) |
| Renter Occupied HU | 10,161 (43.7%) |
| Vacant Housing Units | 2,837 (12.2%) |
| Median Home Value | $515,279 |
| Average Home Value | $560,784 |
Housing Distribution
Address Breakdown
Residential
21,414
Single Family
17,485
Multi-Family
3,929
Businesses
973
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dan Baer • Compass RE
Mls Name: Bright MLS
Mls ID: #PAPH2560134