3655 Academy RdPhiladelphiaPA19154
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3655 Academy Rd, Philadelphia, PA, 19154 in Philadelphia at $250,000 earns $1,746/mo in rent and nets $108/mo after the $1,124/mo payment, a 8.38% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $69,070 over five years. Ziffy Mortgage underwrites this on a 1.55 DSCR without U.S. credit history. With $2,303/yr in principal paydown, total projected return reaches $102,169.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.8% |
| Monthly Cash Flow | $108 | $850 |
City averages based on Philadelphia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,746 |
| Total Monthly Debt Service | $1,539 |
| DSCR Ratio | 1.13x |
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 1963
1,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19154, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,209 (100%) |
| Owner Occupied HU | 10,013 (75.8%) |
| Renter Occupied HU | 2,778 (21.0%) |
| Vacant Housing Units | 418 ( 3.2%) |
| Median Home Value | $287,303 |
| Average Home Value | $311,996 |
Housing Distribution
Address Breakdown
Residential
12,938
Single Family
12,694
Multi-Family
244
Businesses
532
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 1963
1,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19154, Philadelphia, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,209 (100%) |
| Owner Occupied HU | 10,013 (75.8%) |
| Renter Occupied HU | 2,778 (21.0%) |
| Vacant Housing Units | 418 ( 3.2%) |
| Median Home Value | $287,303 |
| Average Home Value | $311,996 |
Housing Distribution
Address Breakdown
Residential
12,938
Single Family
12,694
Multi-Family
244
Businesses
532
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: VETA MCCARTHER • VRA Realty
Mls Name: Bright MLS
Mls ID: #PAPH2543144