325 Spruce St, West Reading, PA, 19611 | $256/mo Cash Flow

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

Home Type: Single Family

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325 Spruce St, West Reading, PA, 19611 | $256/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Rental property for sale in West Reading at 325 Spruce St, West Reading, PA, 19611 generates $1,481/mo in rent and, after a $915/mo payment, leaves $256/mo in cash flow. Total monthly income is $1,481/mo, and annual cash flow is $3,073/yr on $61,957 invested. Return on cash invested sits at 24.87% in year one, and rental yield is 9.51% on a $186,900 entry. Equity gained on principal adds $1,206/yr, while 5% annual appreciation builds toward $51,637 over five years. Five-year ROI reaches 129.98% and total cumulative return in cash sums $80,531. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $1,481/mo property income rather than buyer’s personal income.

Townhouse

Built in 1920

1,306 sqft lot

$N/A/sqft

No HOA

More details about the property

Affordable home in West Reading/Wyomissing Schools. This home is updated with modern kitchen and bath. Other features include replacement windows, mini-splits for summer cooling and winter heating, with oil heat as back-up for colder weather, and hard surface flooring on all three levels. Enjoy fall evenings dining outside on your patio. Walk to local restaurants, Pubs, and unique shops on the Ave. Never fight for a parking space at West Reading's special events. This home has off street parking for one car and is located far enough from the avenue to find street parking for a second car or guests. It is a good find for someone looking for simple living or who wants to add to their portfolio. There is one private bedroom on the second floor and one private bedroom on the third floor. You have to walk through the office to get to the bathroom. The listing agent is the co-owner of the property.

Neighborhood Data

Neighborhood data shown for ZIP Code: 19611, Reading, PA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	4,441 (100%)
Owner Occupied HU	2,107 (47.4%)
Renter Occupied HU	2,169 (48.8%)
Vacant Housing Units	165 ( 3.7%)
Median Home Value	$173,080
Average Home Value	$204,439