28 Club LnReadingPA19607
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 28 Club Ln, Reading, PA, 19607 in Reading clears it at 1.58, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 8.53%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $63,545; $2,118/yr in principal equity; total projected return: $95,830.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.2% |
| Monthly Cash Flow | $(73) | $450 |
City averages based on Reading market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,635 |
| Total Monthly Debt Service | $1,416 |
| 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 1972
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19607, Reading, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,205 (100%) |
| Owner Occupied HU | 6,911 (67.7%) |
| Renter Occupied HU | 2,855 (28.0%) |
| Vacant Housing Units | 439 ( 4.3%) |
| Median Home Value | $248,800 |
| Average Home Value | $311,380 |
Housing Distribution
Address Breakdown
Residential
9,824
Single Family
8,129
Multi-Family
1,695
Businesses
611
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 1972
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19607, Reading, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,205 (100%) |
| Owner Occupied HU | 6,911 (67.7%) |
| Renter Occupied HU | 2,855 (28.0%) |
| Vacant Housing Units | 439 ( 4.3%) |
| Median Home Value | $248,800 |
| Average Home Value | $311,380 |
Housing Distribution
Address Breakdown
Residential
9,824
Single Family
8,129
Multi-Family
1,695
Businesses
611
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PABK2068500