4161 Ross RdBethlehemPA18020
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 4161 Ross Rd, Bethlehem, PA, 18020 in Bethlehem offers a clean, manageable entry. Rental yield 7.8%. DSCR 1.44 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $117,116 in additional property value over five years, with $3,904/yr in principal equity building ownership stake. Total projected cumulative return: $150,622.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $(179) | $1,250 |
City averages based on Bethlehem market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,754 |
| Total Monthly Debt Service | $2,764 |
| DSCR Ratio | 1.00x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2004
4,051 sqft lot
$N/A/sqft
$155 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18020, Bethlehem, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,218 (100%) |
| Owner Occupied HU | 6,773 (82.4%) |
| Renter Occupied HU | 1,257 (15.3%) |
| Vacant Housing Units | 188 ( 2.3%) |
| Median Home Value | $376,861 |
| Average Home Value | $434,968 |
Housing Distribution
Address Breakdown
Residential
8,251
Single Family
7,976
Multi-Family
275
Businesses
623
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 2004
4,051 sqft lot
$N/A/sqft
$155 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18020, Bethlehem, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,218 (100%) |
| Owner Occupied HU | 6,773 (82.4%) |
| Renter Occupied HU | 1,257 (15.3%) |
| Vacant Housing Units | 188 ( 2.3%) |
| Median Home Value | $376,861 |
| Average Home Value | $434,968 |
Housing Distribution
Address Breakdown
Residential
8,251
Single Family
7,976
Multi-Family
275
Businesses
623
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices