36 Saint James CtPhiladelphiaPA19106
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 36 Saint James Ct, Philadelphia, PA, 19106 in Philadelphia achieves 1.53, rent of $4,646/mo covers the $3,035/mo payment 1.5x over at $675,000. Rental yield 8.26%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $186,490 over five years, with $6,217/yr in principal reduction bringing total projected return to $271,380.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.8% |
| Monthly Cash Flow | $(650) | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,646 |
| Total Monthly Debt Service | $4,155 |
| DSCR Ratio | 1.12x |
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 1971
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19106, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,104 (100%) |
| Owner Occupied HU | 3,600 (35.6%) |
| Renter Occupied HU | 5,442 (53.9%) |
| Vacant Housing Units | 1,062 (10.5%) |
| Median Home Value | $602,253 |
| Average Home Value | $691,668 |
Housing Distribution
Address Breakdown
Residential
9,551
Single Family
1,707
Multi-Family
7,844
Businesses
1,654
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 1971
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19106, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,104 (100%) |
| Owner Occupied HU | 3,600 (35.6%) |
| Renter Occupied HU | 5,442 (53.9%) |
| Vacant Housing Units | 1,062 (10.5%) |
| Median Home Value | $602,253 |
| Average Home Value | $691,668 |
Housing Distribution
Address Breakdown
Residential
9,551
Single Family
1,707
Multi-Family
7,844
Businesses
1,654
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Bright MLS
Mls ID: #PAPH2568376