3640 Sepviva StPhiladelphiaPA19134
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3640 Sepviva St, Philadelphia, PA, 19134 in Philadelphia. Priced at $139,900, it generates $2,312/mo in gross rent and $1,396/mo in net monthly cash flow, a 19.83% yield that comfortably supports the 3.68 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $16,748. Five-year appreciation: $38,652. Equity from principal paydown: $1,288/yr. Total projected cumulative return: $143,056.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.8% | 5.8% |
| Monthly Cash Flow | $1,396 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,312 |
| Total Monthly Debt Service | $861 |
| DSCR Ratio | 2.69x |
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 1910
1,123 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19134, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,420 (100%) |
| Owner Occupied HU | 10,383 (42.5%) |
| Renter Occupied HU | 10,891 (44.6%) |
| Vacant Housing Units | 3,146 (12.9%) |
| Median Home Value | $179,001 |
| Average Home Value | $210,097 |
Housing Distribution
Address Breakdown
Residential
22,337
Single Family
21,546
Multi-Family
791
Businesses
1,864
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 1910
1,123 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19134, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,420 (100%) |
| Owner Occupied HU | 10,383 (42.5%) |
| Renter Occupied HU | 10,891 (44.6%) |
| Vacant Housing Units | 3,146 (12.9%) |
| Median Home Value | $179,001 |
| Average Home Value | $210,097 |
Housing Distribution
Address Breakdown
Residential
22,337
Single Family
21,546
Multi-Family
791
Businesses
1,864
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices